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Oh, no worries at all. A bit of a busy day. Jordan did let me know that you needed to bring it forward a little bit because your afternoon is chockablock. That's no worries at all. No worries at all. I have some information here just about your inquiry for the super, and I wanted to kind of talk to you a bit about that and a few other things as well if we do have a few minutes. How long do I have you for today? Yeah. Perfect. That's plenty of time. And just briefly as well, so with your your main inquiry, I think there was a note here around one of the investment options in the super. Is that correct? Oh, yes. Annual review. So reason why we we kind of bring it forward just a little bit because your your services with us refresh on around about the May 24. But as you've probably seen in the news that the wealth's kind of on fire at the moment, so wanted to, yeah, we wanted to catch you just a little bit earlier just to go through a couple of things just so you're not blindsided with what's going on and just sort of see if there's anything we need to fix up. Perfect. So what I'll do, I do have, like, an annual review pack that I've prepared. If you are comfortable for that review, I'll shoot that through after this call, and you can have a look at it, make sure you're comfortable with everything. The main thing that we do is I wanted to just go through and update your details to see if there's been any significant changes since we last spoke, and then just give you a bit of an update on the super and see if we need to change anything with that or your attached insurance policy. Okay. Perfect. So with the company, are you now employed by your company earning wages? Fantastic. Let me just have a quick look into your transaction history for a moment because that should tell me that your okay. I don't see any contributions in there. We've got MindMate behavior support. Oh, wow. Okay. So MindMate Behavior Support, that's your company? Yes. Oh, amazing. So that should clear the account soon. And okay. So we've got MindMate gave you a nice little lump sum of 11,000, which means they're kind of caught up on any contributions that they owed you at the time, which is fantastic. With your wages from the company, we I think our last income, we had you earning around about 150,000. Do you know what your wages are set up? No worries. We had your last income at around about 150,000. Do you know what your wages are set to now? Perfect. So a 150,000 is okay. Just remain as it is? Absolutely. So very exciting for you to to journey out on starting your own company. And I'm assuming do you still do you still kind of contract or invoice to the same group, or have you kind of branched out a little bit? Okay. Fantastic. Would you still count your occupation as, like, a behavioral therapist? Easy done. And okay. I'm assuming you're kind of doing that full time at the moment, aren't you? Yep. So I'll put that down. Is it do you just do, like, a standard thirty eight hours, or do you kind of just do everything that needs to be done? And Oh, yes. I got you. Yeah. So it can fluctuate quite a bit. Okay. Alright. I'm gonna wind back for a quick moment. So in terms of personal details, we had you married to Jaden, and you're still in Brooklyn Way in Australia, WA. Perfect. So as far as your assets and liabilities go, we had, like, your home and some land as well. Home was valued at 800,000 owing 150,000. Do you know what that's at at the moment? Yeah. Yeah. Okay. Between 900 to 950,000. We lost that. That's fantastic. And I was looking through. So we had you have some work tech, some household content. You've got the cars, the Nissan, and the j eight. Outside of that perfect. Is there a car loan attached, or is it just straight up purchase? Okay. So we have a new car, and that is valued at approximately k. Okay. Fantastic. Alright. I'm just updating this on your file here. So the j h, John, Nissan is there. Is there any other, like, assets or loans floating around? You don't have a whole bunch of cash floating under the mattress, some shares, nothing like that. No. That's perfect. I know a few people have cryptocurrency in the background and things like that. Not up your alley. I hear you loud and clear. Perfect. Perfect. As far as, like, your cash flow goes, I know this is all still kind of new but similar income. Do you have, like, a set amount that you try and put aside every week or fortnight or month? More so like surplus savings. Are you able to put anything aside into savings? Yep. Yep. Fantastic. Go. Perfect. So I'll set the savings to a nice, safe sort of 5,000 a month for now, just bearing in mind there's a bit of leeway on top of that. Easy done. Easy done. And as far as estate planning goes, last time we checked, you didn't have, like, a will or power of attorney in place. Did you end up getting that sorted? Amazing. Oh, perfect. Perfect. So I'll put a note down that you're gonna talk to them about the wills and the power of attorneys and everything like that. So that is fantastic. I'm just gonna have a quick look at your beneficiary details for your super, make sure that's all looking good. We did have it split between Jayden and Corey, 50 50. Perfect. Just bear in mind that if you do have benefits left to a minor, for example, is Corey under 18 or above 18? 27. Perfect. So when it comes to a spouse, when they receive your super, it is the the Canada's a tax dependent, so they get it all tax free. An adult child is unfortunately no longer a tax dependent, so they may pay a little bit on it. But if you want it to go between the two, that is okay. Just wanted to let you know that would be the outcome. Absolutely. You do have as well a life insurance policy that I wanted to talk to you about because you did just have an anniversary, and it changes every year. So I wanna make sure that's still okay. So you have life insurance and total disability. So that's your lump sums. Or if you pass away or can never work again, it's a million and $50,000 as a lump sum. So what I wanted to ask you is because your mortgage is down so low, let's say that comes out and it pays off the mortgage and you're left with 8 or 900,000 for the family plus the super on top, kinda gets you close to that million dollars for them. What does that do for the family? Is that still a good situation? What does that do for them? Yep. Yeah. And that'll help him. Yeah. So the average I see is between 500,000 and 1,000,000. Mainly people just the baseline is is covering debt as a main thing. And then after that, you've got, like, income replacement or setting up your children and things like that. Yep. Perfect. Price wise, it's jumped up a little bit, but it's not too crazy. The life and the TPD are still under 1,000. And then it gets a 15% rebate because any expense inside super gets 15% as a tax rebate. So that won't impact your super too much. Like, you've obviously got a decent amount of contributions going in. You've got a decent balance, decent growth. So it's not, like, a major anchor pulling you back. When it comes to your income protection, so you have income protection if you're out of work for more than a month. They will give you monthly income replacement for up to five years. Now your sum insured is 10,794 per month because the maximum is between 7075% depending on when the policy came out. And I'm just gonna do my little magic calculator here. It's protecting an income of around about just having a look at the inception date here, 2024. So 10,800 a month, that's protecting an income of a 185,000, which if you were to, yeah. So if you were to put in a claim, they look at your income going backwards twelve months. They work out that percentage. And, basically, if you're only earning a 150,000, they would give you 70% of that, not of the higher amount. Rent. So what I would think of doing is sometimes they can incorporate a bit of your super contributions on top to close the gap, which if I go a 150,000 and add on super, that's a 168,000. So either way, you're still over insured for the income protection. So what I would like to do potentially is I will get an alteration quote through for a little bit of a trim down just to save you a bit on the premiums. K? Otherwise, again, like, having extra insurance means that you have capacity for when your income goes up, but then it means if you were to claim tomorrow, you would be paying more for what you couldn't get. Does that make sense? So I'll try and base it on your current income at the moment, maybe plus super, and then I'll let you know what that's looking like. Okay. Now just swinging over onto the super side of things, I did mention at the start of the call, the world's kind of on fire at the moment as it is. It hasn't it hasn't gone into the negative for the year. So even though the stock market's kind of taking a jump down, you're still up 4% for the last twelve months. K. The only thing I'm looking at your portfolio, you're in a high growth. So 90 percent in growth assets, shares, property, and so on. Now that's pretty well geared towards getting you, like, the higher returns. Try and grow your super as you can. At some point, you probably don't wanna stay high risk forever because, again, if you're 65, you probably don't want the stock market to crash and you lose half your super a year before you go to retire and access it. Do you know what I mean? K? So in the interim, because of your current age, you still got a a good couple of decades ahead of you. Now what tends to happen over those twenty years is, let's say, every seven years, there's a market cycle. The stock market goes up, up, up, up, up, and then there's a COVID financial crisis, a war, and the stock market takes a jump, a dive. Now when you're in high growth, it goes up and down like a roller coaster. It could go up ten, twenty, 30% in a single year. And then over the decade, you're trying to average out at a return of above 10%. That's kind of your benchmark. Does that make sense? K. So your portfolio is still averaging out above the benchmark, which is good. I'm just warning you that what tends to happen is the markets drop. So you're sitting at 215,800 and 35 today. So what tends to happen, and this pretty much will happen, is when the next crash happens, your super will go from, like, 215,000 to, like, 185. And then 12 months later, two years later, you'll be sitting at $2.50, $2.60. So yep. So when we think of what to do, we wanna make sure that all the investments are good quality. And then when the market goes down, your contributions are going in, and we get to kind of use it as a buying opportunity. The properties and companies go down in value. You get to buy more of them. And then when the stock market goes up, you get a big return on the way up. So what I'm kind of telling you is that for the next three cycles, call that twenty one years, you've got a lot of growth and buying opportunities for the next fourteen years. In that last seven to ten years, we have to gradually reduce your risk level. So instead of staying 90% shares in property, we would gradually reduce you down eighty, seventy, sixty, fifty, forty, and then you are at retirement phase. So I just wanna make sure that you're still comfortable with that that behavior and that plan. Cool. Yeah. Look. It's totally about your they call it risk tolerance because it's all about higher highs and lower lows. The more risky you go, it's gonna higher returns, lower drops, and average out better over the long term. Now some people can't handle seeing their super. They watch it every day, and they watch it go up and down, and they and they panic. Yep. We all we all know people that do it. And if you can remove the emotions, it's great long term. If the emotions are a barrier that's too far, then we need to make adjustments. Yeah. Absolutely. So overall, you've got about eight investment options in your super that we've put together as your portfolio, and they're split between different sectors. You've got Australian shares, property, gold, international shares, quite diverse range of different assets. Pretty much all of them have been doing really well. Most of the growth has been 10 to 50%, that kind of thing. The only one that's dropped at the moment is your Australian shares in your bet along option, which has gone down a little bit. Now normally, like I said just before, and I'm trying not to contradict myself here, is when the markets go down, we use it as a buying opportunity. We don't panic. Right? On the flip side of things, if there is some options that we don't believe are hitting the benchmarks they should, and what I mean by that is if every other option in that pool is doing 9%, 8%, and this one's only doing two, then we need to make sure we have a flag on it in case there's a problem. In this case, with the Bennelong option, we did flag it twelve months ago, and it hasn't come back to be with the rest of the pack, if that makes sense. So I would actually be when we look at reducing down your income protection, I wanna put into the same document just a bit of an update on your investment options as well. K? The one question I'm gonna ask you, and this is really just gut feeling because I can I'm gonna make a recommendation for you, is if you had to choose between low fees or pay higher fees to get a higher return, which way would you lean? Or go towards low fees as an option as well. Yeah. And and that's basically a bit of a split between two styles. We call them active and passive. And I can find you a good one in either camp. It's really about where you're kind of leaning personally. Yeah. And I guess the way I would reframe it is if the Australian stock market is consistently doing, let's say, 10% per year as growth, you can pay really low fees to get what's called an index fund that just tracks the Australian market in lockstep. It just follows it up and down. Or you can pay higher fees for an active manager who tries to pick and choose stocks and try and get you a better return. Well, you're currently with you're currently with an active fund at the moment. And so what I'll be doing is if you're comfortable with that kind of style that you've already been having, I can keep it in the same style, just find a better fund manager for you. Yeah. No. That's totally fine. Either way, we're still gonna get you trying the the best outcome that we can, and I just wanna make sure there's no No. That's totally fine. And exactly. And the only reason why I really ask that question is because sometimes when I ask it, people have a very strong feeling or reaction one way or the other where they go, no. No. No. No. I I don't like this. I really wanna lower the fees or no. No. No. That's totally fine. Yeah. So at the end of the day, you really just want to make sure it's well looked after. Yep. Easy done. So what I'll do is I will go through and do some like for like replacements for you. I've already got one in mind that I'm gonna research. We've already been speaking with the investment committee. We flagged this issue towards Christmas time. We've already got three or four options on the table. I will basically research them, put them in a document for you with that reduction for the insurance, and I'll get that through to you so you can see what the new plan is. Okay. No. That's perfect. And, look, half the people I talk to, they say you get what you pay for. The other half go, all I care about is cost. Please keep it as minimal as possible, and we just tailor it to the person. Easy done. So I will put together this bit of a plan. I'll get some alteration quotes for your insurance and a portfolio update. From that point, once we've done the research and everything, the team will get you booked in to go through the updated document with me. I know you're probably just, like, looking for that guidance, but I just wanna make sure that what we're doing makes sense and that you can kind of sign off on it if that makes sense. Absolutely. Absolutely. Cool. So I'll go away and do that. Is there anything else in particular going on that you would like to talk about for this review? Mhmm. Oh, yes. That's a great question. So when it comes to personal income protection, they cover you for things usually outside of work because workers' compensation's for at work. And I think there is an expectation that the employer does have that in place, which in this case itself. And then anything that happens outside of work, this can kick in. I have seen scenarios where people get workers' compensation. It ended after two years, and then their income protection clicked in on the back end of it as well. Perfect. And, again, as always with these things, just double check with the accountant to make sure there's no rule where you have to put it in place or anything like that, but you do have that protection there as well. Perfect. So what I'll do is I'm going to shoot you through this annual review pack. It's going to include an updated financial services guide with us, which is our license information and protection details. It will have your performance report, your certificate of currency for the insurance policy. If anything happens to you, we do do claims assistance. So let's say, god forbid, something did happen. You not that we would wanna be the first person you talk to in a major event, but let us know, and we can help you through the claims process as well. Perfect. We've got the ongoing service agreement that I've refreshed there as well. I wanted to ask you because your review was coming up in May, are you comfortable for us to put this plan in place and let it run for the next twelve months or so? How would you prefer that to work? Easy done. So I'll shoot that through to you now. There's a couple of other little bibs and bobs there. Just curiosity pieces about markets and stock markets and things like that. If you're curious, you can have a look, but, again, I'll put in place an updated plan anyway. Awesome. Kelly, do you have any questions for me at this point? Amazing. And, again, I've never seen the the other way around where the income protection covers someone for the work injuries. I'm gonna find out, though, and ask around just in case, and I'll let you know. Yeah. Yeah. Okay. Easy done. And what I'll do too is when we get that quote to trim down the income protection to the right amount, I will factor that into the projection for the super just to show you the difference that I'll make as well. Cool. Kelly, last question I've got for you is there is a fourth type of policy. And I know you were just saying you don't wanna get workers' compensation, but you don't have a trauma policy. Do you remember what that one does? So the quickest way I can explain it is you've got life insurance, you pass away, there's a lump sum. Total disability is when you can never work again, there's a lump sum. Temporary disability is your income protection. You're out of work for three months, six months, nine months, here's your income replacement. Trauma is the fourth one where they say, okay. You've been diagnosed with, like, a heart attack, stroke, cancer. Maybe you're not fully disabled from it. Maybe you've gone back to work the next week after having a heart attack. It happens. But there's a lump sum to cover medical costs or staying home and, you know, your partner being able to look after you for twelve months, that kind of thing. But you can only pay for that one out of pocket. So I do have to ask the question if you wanted me to get a quote for that or if you would prefer just the three that you've got. Mhmm. No. That's totally fine. It's just one of those there's a risk there because that's something that's not covered. I just wanted to let you know that it's an option. Easy done. And when we go through that advice document, if you're curious and wanna get a quote afterwards or even next year, we can always do that for you. Perfect. Now, Kelly, that email is through to you now. I'm just gonna double check that's going through to your Gmail. Now when it comes through for the system that we're currently using, we're using something called OdooSign, which we've purpose built for Oakview. And it allows you, like, an email to view the attachments just like any other email, but there's also a link for the digital signing as well. So I just wanna let you know it's separate. You've got attachments, and then you've got a signing link as well. Now just bear in mind that it can sometimes take up to nine minutes, I've found. So I'll let that come through in its own time. With our service agreement, so, again, our fees that we charge through the super, that's 1.65%, and that's capped when you get to 600,000 because, obviously, clients with a million, $2,000,000, you can't charge $3,040,000 for the same service. We're good at what we do, but we do put caps on the fees as well. Awesome. If at any point you do have any other types of accounts, investment accounts, pension accounts later down the road, Hub twenty four lets you link them to reduce the fees as well. Cool. Is there anything else that we need to look at for you over the next few years? Because I know you're focusing so much on the business and paying down the mortgage. Are you looking to get other properties, do some investing, anything I need to note down? Perfect. So if you're okay for me to put this down then, I'll say the priority for the next few years is to pay off the mortgage. We will look at the superannuation based on just what you're putting in through the employer contributions. We won't look at any salary sacrifice or additional ones. And then once the mortgage is done, we can look at super, investing, anything you might wanna do after that. Perfect. Alrighty. That's pretty much everything for me. Any questions, Kelly? Amazing. Amazing. Thank you so much for your time today. If you have any trouble with that Odoo email, please just give us a call, and the team will help you through. You're most welcome, and I will talk to you in a few weeks. Thanks, Kelly. 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afternoon, Kelly. It's Tommy here, senior adviser. How are you doing? That is totally fine. I'm so glad you called back in.\n\nI was just about to send you a message, but thank you for that. Oh, no worries at all. A bit of a busy day. Jordan did let me know that you needed to bring it forward a little bit because your afternoon is chockablock. That's no worries at all.\n\nNo worries at all. I have some information here just about your inquiry for the super, and I wanted to kind of talk to you a bit about that and a few other things as well if we do have a few minutes. How long do I have you for today? Yeah. Perfect.\n\nThat's plenty of time. And just briefly as well, so with your your main inquiry, I think there was a note here around one of the investment options in the super. Is that correct? Oh, yes. Annual review.\n\nSo reason why we we kind of bring it forward just a little bit because your your services with us refresh on around about the May 24. But as you've probably seen in the news that the wealth's kind of on fire at the moment, so wanted to, yeah, we wanted to catch you just a little bit earlier just to go through a couple of things just so you're not blindsided with what's going on and just sort of see if there's anything we need to fix up. Perfect. So what I'll do, I do have, like, an annual review pack that I've prepared. If you are comfortable for that review, I'll shoot that through after this call, and you can have a look at it, make sure you're comfortable with everything.\n\nThe main thing that we do is I wanted to just go through and update your details to see if there's been any significant changes since we last spoke, and then just give you a bit of an update on the super and see if we need to change anything with that or your attached insurance policy. Okay. Perfect. So with the company, are you now employed by your company earning wages? Fantastic.\n\nLet me just have a quick look into your transaction history for a moment because that should tell me that your okay. I don't see any contributions in there. We've got MindMate behavior support. Oh, wow. Okay.\n\nSo MindMate Behavior Support, that's your company? Yes. Oh, amazing. So that should clear the account soon. And okay.\n\nSo we've got MindMate gave you a nice little lump sum of 11,000, which means they're kind of caught up on any contributions that they owed you at the time, which is fantastic. With your wages from the company, we I think our last income, we had you earning around about 150,000. Do you know what your wages are set up? No worries. We had your last income at around about 150,000.\n\nDo you know what your wages are set to now? Perfect. So a 150,000 is okay. Just remain as it is? Absolutely.\n\nSo very exciting for you to to journey out on starting your own company. And I'm assuming do you still do you still kind of contract or invoice to the same group, or have you kind of branched out a little bit? Okay. Fantastic. Would you still count your occupation as, like, a behavioral therapist?\n\nEasy done. And okay. I'm assuming you're kind of doing that full time at the moment, aren't you? Yep. So I'll put that down.\n\nIs it do you just do, like, a standard thirty eight hours, or do you kind of just do everything that needs to be done? And Oh, yes. I got you. Yeah. So it can fluctuate quite a bit.\n\nOkay. Alright. I'm gonna wind back for a quick moment. So in terms of personal details, we had you married to Jaden, and you're still in Brooklyn Way in Australia, WA. Perfect.\n\nSo as far as your assets and liabilities go, we had, like, your home and some land as well. Home was valued at 800,000 owing 150,000. Do you know what that's at at the moment? Yeah. Yeah.\n\nOkay. Between 900 to 950,000. We lost that. That's fantastic. And I was looking through.\n\nSo we had you have some work tech, some household content. You've got the cars, the Nissan, and the j eight. Outside of that perfect. Is there a car loan attached, or is it just straight up purchase? Okay.\n\nSo we have a new car, and that is valued at approximately k. Okay. Fantastic. Alright. I'm just updating this on your file here.\n\nSo the j h, John, Nissan is there. Is there any other, like, assets or loans floating around? You don't have a whole bunch of cash floating under the mattress, some shares, nothing like that. No. That's perfect.\n\nI know a few people have cryptocurrency in the background and things like that. Not up your alley. I hear you loud and clear. Perfect. Perfect.\n\nAs far as, like, your cash flow goes, I know this is all still kind of new but similar income. Do you have, like, a set amount that you try and put aside every week or fortnight or month? More so like surplus savings. Are you able to put anything aside into savings? Yep.\n\nYep. Fantastic. Go. Perfect. So I'll set the savings to a nice, safe sort of 5,000 a month for now, just bearing in mind there's a bit of leeway on top of that.\n\nEasy done. Easy done. And as far as estate planning goes, last time we checked, you didn't have, like, a will or power of attorney in place. Did you end up getting that sorted? Amazing.\n\nOh, perfect. Perfect. So I'll put a note down that you're gonna talk to them about the wills and the power of attorneys and everything like that. So that is fantastic. I'm just gonna have a quick look at your beneficiary details for your super, make sure that's all looking good.\n\nWe did have it split between Jayden and Corey, 50 50. Perfect. Just bear in mind that if you do have benefits left to a minor, for example, is Corey under 18 or above 18? 27. Perfect.\n\nSo when it comes to a spouse, when they receive your super, it is the the Canada's a tax dependent, so they get it all tax free. An adult child is unfortunately no longer a tax dependent, so they may pay a little bit on it. But if you want it to go between the two, that is okay. Just wanted to let you know that would be the outcome. Absolutely.\n\nYou do have as well a life insurance policy that I wanted to talk to you about because you did just have an anniversary, and it changes every year. So I wanna make sure that's still okay. So you have life insurance and total disability. So that's your lump sums. Or if you pass away or can never work again, it's a million and $50,000 as a lump sum.\n\nSo what I wanted to ask you is because your mortgage is down so low, let's say that comes out and it pays off the mortgage and you're left with 8 or 900,000 for the family plus the super on top, kinda gets you close to that million dollars for them. What does that do for the family? Is that still a good situation? What does that do for them? Yep.\n\nYeah. And that'll help him. Yeah. So the average I see is between 500,000 and 1,000,000. Mainly people just the baseline is is covering debt as a main thing.\n\nAnd then after that, you've got, like, income replacement or setting up your children and things like that. Yep. Perfect. Price wise, it's jumped up a little bit, but it's not too crazy. The life and the TPD are still under 1,000.\n\nAnd then it gets a 15% rebate because any expense inside super gets 15% as a tax rebate. So that won't impact your super too much. Like, you've obviously got a decent amount of contributions going in. You've got a decent balance, decent growth. So it's not, like, a major anchor pulling you back.\n\nWhen it comes to your income protection, so you have income protection if you're out of work for more than a month. They will give you monthly income replacement for up to five years. Now your sum insured is 10,794 per month because the maximum is between 7075% depending on when the policy came out. And I'm just gonna do my little magic calculator here. It's protecting an income of around about just having a look at the inception date here, 2024.\n\nSo 10,800 a month, that's protecting an income of a 185,000, which if you were to, yeah. So if you were to put in a claim, they look at your income going backwards twelve months. They work out that percentage. And, basically, if you're only earning a 150,000, they would give you 70% of that, not of the higher amount. Rent.\n\nSo what I would think of doing is sometimes they can incorporate a bit of your super contributions on top to close the gap, which if I go a 150,000 and add on super, that's a 168,000. So either way, you're still over insured for the income protection. So what I would like to do potentially is I will get an alteration quote through for a little bit of a trim down just to save you a bit on the premiums. K? Otherwise, again, like, having extra insurance means that you have capacity for when your income goes up, but then it means if you were to claim tomorrow, you would be paying more for what you couldn't get.\n\nDoes that make sense? So I'll try and base it on your current income at the moment, maybe plus super, and then I'll let you know what that's looking like. Okay. Now just swinging over onto the super side of things, I did mention at the start of the call, the world's kind of on fire at the moment as it is. It hasn't it hasn't gone into the negative for the year.\n\nSo even though the stock market's kind of taking a jump down, you're still up 4% for the last twelve months. K. The only thing I'm looking at your portfolio, you're in a high growth. So 90 percent in growth assets, shares, property, and so on. Now that's pretty well geared towards getting you, like, the higher returns.\n\nTry and grow your super as you can. At some point, you probably don't wanna stay high risk forever because, again, if you're 65, you probably don't want the stock market to crash and you lose half your super a year before you go to retire and access it. Do you know what I mean? K? So in the interim, because of your current age, you still got a a good couple of decades ahead of you.\n\nNow what tends to happen over those twenty years is, let's say, every seven years, there's a market cycle. The stock market goes up, up, up, up, up, and then there's a COVID financial crisis, a war, and the stock market takes a jump, a dive. Now when you're in high growth, it goes up and down like a roller coaster. It could go up ten, twenty, 30% in a single year. And then over the decade, you're trying to average out at a return of above 10%.\n\nThat's kind of your benchmark. Does that make sense? K. So your portfolio is still averaging out above the benchmark, which is good. I'm just warning you that what tends to happen is the markets drop.\n\nSo you're sitting at 215,800 and 35 today. So what tends to happen, and this pretty much will happen, is when the next crash happens, your super will go from, like, 215,000 to, like, 185. And then 12 months later, two years later, you'll be sitting at $2.50, $2.60. So yep. So when we think of what to do, we wanna make sure that all the investments are good quality.\n\nAnd then when the market goes down, your contributions are going in, and we get to kind of use it as a buying opportunity. The properties and companies go down in value. You get to buy more of them. And then when the stock market goes up, you get a big return on the way up. So what I'm kind of telling you is that for the next three cycles, call that twenty one years, you've got a lot of growth and buying opportunities for the next fourteen years.\n\nIn that last seven to ten years, we have to gradually reduce your risk level. So instead of staying 90% shares in property, we would gradually reduce you down eighty, seventy, sixty, fifty, forty, and then you are at retirement phase. So I just wanna make sure that you're still comfortable with that that behavior and that plan. Cool. Yeah.\n\nLook. It's totally about your they call it risk tolerance because it's all about higher highs and lower lows. The more risky you go, it's gonna higher returns, lower drops, and average out better over the long term. Now some people can't handle seeing their super. They watch it every day, and they watch it go up and down, and they and they panic.\n\nYep. We all we all know people that do it. And if you can remove the emotions, it's great long term. If the emotions are a barrier that's too far, then we need to make adjustments. Yeah.\n\nAbsolutely. So overall, you've got about eight investment options in your super that we've put together as your portfolio, and they're split between different sectors. You've got Australian shares, property, gold, international shares, quite diverse range of different assets. Pretty much all of them have been doing really well. Most of the growth has been 10 to 50%, that kind of thing.\n\nThe only one that's dropped at the moment is your Australian shares in your bet along option, which has gone down a little bit. Now normally, like I said just before, and I'm trying not to contradict myself here, is when the markets go down, we use it as a buying opportunity. We don't panic. Right? On the flip side of things, if there is some options that we don't believe are hitting the benchmarks they should, and what I mean by that is if every other option in that pool is doing 9%, 8%, and this one's only doing two, then we need to make sure we have a flag on it in case there's a problem.\n\nIn this case, with the Bennelong option, we did flag it twelve months ago, and it hasn't come back to be with the rest of the pack, if that makes sense. So I would actually be when we look at reducing down your income protection, I wanna put into the same document just a bit of an update on your investment options as well. K? The one question I'm gonna ask you, and this is really just gut feeling because I can I'm gonna make a recommendation for you, is if you had to choose between low fees or pay higher fees to get a higher return, which way would you lean? Or go towards low fees as an option as well.\n\nYeah. And and that's basically a bit of a split between two styles. We call them active and passive. And I can find you a good one in either camp. It's really about where you're kind of leaning personally.\n\nYeah. And I guess the way I would reframe it is if the Australian stock market is consistently doing, let's say, 10% per year as growth, you can pay really low fees to get what's called an index fund that just tracks the Australian market in lockstep. It just follows it up and down. Or you can pay higher fees for an active manager who tries to pick and choose stocks and try and get you a better return. Well, you're currently with you're currently with an active fund at the moment.\n\nAnd so what I'll be doing is if you're comfortable with that kind of style that you've already been having, I can keep it in the same style, just find a better fund manager for you. Yeah. No. That's totally fine. Either way, we're still gonna get you trying the the best outcome that we can, and I just wanna make sure there's no No.\n\nThat's totally fine. And exactly. And the only reason why I really ask that question is because sometimes when I ask it, people have a very strong feeling or reaction one way or the other where they go, no. No. No.\n\nNo. I I don't like this. I really wanna lower the fees or no. No. No.\n\nThat's totally fine. Yeah. So at the end of the day, you really just want to make sure it's well looked after. Yep. Easy done.\n\nSo what I'll do is I will go through and do some like for like replacements for you. I've already got one in mind that I'm gonna research. We've already been speaking with the investment committee. We flagged this issue towards Christmas time. We've already got three or four options on the table.\n\nI will basically research them, put them in a document for you with that reduction for the insurance, and I'll get that through to you so you can see what the new plan is. Okay. No. That's perfect. And, look, half the people I talk to, they say you get what you pay for.\n\nThe other half go, all I care about is cost. Please keep it as minimal as possible, and we just tailor it to the person. Easy done. So I will put together this bit of a plan. I'll get some alteration quotes for your insurance and a portfolio update.\n\nFrom that point, once we've done the research and everything, the team will get you booked in to go through the updated document with me. I know you're probably just, like, looking for that guidance, but I just wanna make sure that what we're doing makes sense and that you can kind of sign off on it if that makes sense. Absolutely. Absolutely. Cool.\n\nSo I'll go away and do that. Is there anything else in particular going on that you would like to talk about for this review? Mhmm. Oh, yes. That's a great question.\n\nSo when it comes to personal income protection, they cover you for things usually outside of work because workers' compensation's for at work. And I think there is an expectation that the employer does have that in place, which in this case itself. And then anything that happens outside of work, this can kick in. I have seen scenarios where people get workers' compensation. It ended after two years, and then their income protection clicked in on the back end of it as well.\n\nPerfect. And, again, as always with these things, just double check with the accountant to make sure there's no rule where you have to put it in place or anything like that, but you do have that protection there as well. Perfect. So what I'll do is I'm going to shoot you through this annual review pack. It's going to include an updated financial services guide with us, which is our license information and protection details.\n\nIt will have your performance report, your certificate of currency for the insurance policy. If anything happens to you, we do do claims assistance. So let's say, god forbid, something did happen. You not that we would wanna be the first person you talk to in a major event, but let us know, and we can help you through the claims process as well. Perfect.\n\nWe've got the ongoing service agreement that I've refreshed there as well. I wanted to ask you because your review was coming up in May, are you comfortable for us to put this plan in place and let it run for the next twelve months or so? How would you prefer that to work? Easy done. So I'll shoot that through to you now.\n\nThere's a couple of other little bibs and bobs there. Just curiosity pieces about markets and stock markets and things like that. If you're curious, you can have a look, but, again, I'll put in place an updated plan anyway. Awesome. Kelly, do you have any questions for me at this point?\n\nAmazing. And, again, I've never seen the the other way around where the income protection covers someone for the work injuries. I'm gonna find out, though, and ask around just in case, and I'll let you know. Yeah. Yeah.\n\nOkay. Easy done. And what I'll do too is when we get that quote to trim down the income protection to the right amount, I will factor that into the projection for the super just to show you the difference that I'll make as well. Cool. Kelly, last question I've got for you is there is a fourth type of policy.\n\nAnd I know you were just saying you don't wanna get workers' compensation, but you don't have a trauma policy. Do you remember what that one does? So the quickest way I can explain it is you've got life insurance, you pass away, there's a lump sum. Total disability is when you can never work again, there's a lump sum. Temporary disability is your income protection.\n\nYou're out of work for three months, six months, nine months, here's your income replacement. Trauma is the fourth one where they say, okay. You've been diagnosed with, like, a heart attack, stroke, cancer. Maybe you're not fully disabled from it. Maybe you've gone back to work the next week after having a heart attack.\n\nIt happens. But there's a lump sum to cover medical costs or staying home and, you know, your partner being able to look after you for twelve months, that kind of thing. But you can only pay for that one out of pocket. So I do have to ask the question if you wanted me to get a quote for that or if you would prefer just the three that you've got. Mhmm.\n\nNo. That's totally fine. It's just one of those there's a risk there because that's something that's not covered. I just wanted to let you know that it's an option. Easy done.\n\nAnd when we go through that advice document, if you're curious and wanna get a quote afterwards or even next year, we can always do that for you. Perfect. Now, Kelly, that email is through to you now. I'm just gonna double check that's going through to your Gmail. Now when it comes through for the system that we're currently using, we're using something called OdooSign, which we've purpose built for Oakview.\n\nAnd it allows you, like, an email to view the attachments just like any other email, but there's also a link for the digital signing as well. So I just wanna let you know it's separate. You've got attachments, and then you've got a signing link as well. Now just bear in mind that it can sometimes take up to nine minutes, I've found. So I'll let that come through in its own time.\n\nWith our service agreement, so, again, our fees that we charge through the super, that's 1.65%, and that's capped when you get to 600,000 because, obviously, clients with a million, $2,000,000, you can't charge $3,040,000 for the same service. We're good at what we do, but we do put caps on the fees as well. Awesome. If at any point you do have any other types of accounts, investment accounts, pension accounts later down the road, Hub twenty four lets you link them to reduce the fees as well. Cool.\n\nIs there anything else that we need to look at for you over the next few years? Because I know you're focusing so much on the business and paying down the mortgage. Are you looking to get other properties, do some investing, anything I need to note down? Perfect. So if you're okay for me to put this down then, I'll say the priority for the next few years is to pay off the mortgage.\n\nWe will look at the superannuation based on just what you're putting in through the employer contributions. We won't look at any salary sacrifice or additional ones. And then once the mortgage is done, we can look at super, investing, anything you might wanna do after that. Perfect. Alrighty.\n\nThat's pretty much everything for me. Any questions, Kelly? Amazing. Amazing. Thank you so much for your time today.\n\nIf you have any trouble with that Odoo email, please just give us a call, and the team will help you through. You're most welcome, and I will talk to you in a few weeks. Thanks, Kelly. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kelly.","start":1.5999999,"end":2.6399999,"sentiment":"positive","sentiment_score":0.36616576711336773},{"text":"It's Tommy here, senior adviser.","start":2.6399999,"end":4.24,"sentiment":"neutral","sentiment_score":0.2691421419382095},{"text":"How are you doing?","start":4.24,"end":5.06,"sentiment":"neutral","sentiment_score":0.2625555507838726},{"text":"That is totally fine.","start":8.96,"end":10.08,"sentiment":"neutral","sentiment_score":-0.011636260896921158},{"text":"I'm so glad you called back in.","start":10.08,"end":11.2,"sentiment":"positive","sentiment_score":0.4924360854285104}],"sentiment":"neutral","sentiment_score":0.2997799029816752,"num_words":23,"start":1.5999999,"end":11.2},{"sentences":[{"text":"I was just about to send you a message, but thank you for that.","start":11.2,"end":13.78,"sentiment":"neutral","sentiment_score":0.15028821916452476},{"text":"Oh, no worries at all.","start":19.465,"end":20.345,"sentiment":"neutral","sentiment_score":0.056593981385231015},{"text":"A bit of a busy day.","start":20.345,"end":21.564999,"sentiment":"neutral","sentiment_score":-0.036037867267926536},{"text":"Jordan did let me know that you needed to bring it forward a little bit because your afternoon is chockablock.","start":22.025,"end":27.085,"sentiment":"neutral","sentiment_score":0.05504466574639082},{"text":"That's no worries at all.","start":28.31,"end":29.67,"sentiment":"neutral","sentiment_score":0.19447430968284607}],"sentiment":"neutral","sentiment_score":0.08488085269927978,"num_words":50,"start":11.2,"end":29.67},{"sentences":[{"text":"No worries at all.","start":29.67,"end":31.130001,"sentiment":"neutral","sentiment_score":0.13467909954488277},{"text":"I have some information here just about your inquiry for the super, and I wanted to kind of talk to you a bit about that and a few other things as well if we do have a few minutes.","start":31.75,"end":43.765,"sentiment":"neutral","sentiment_score":0.17519928610477692},{"text":"How long do I have you for today?","start":44.225,"end":46.004997,"sentiment":"neutral","sentiment_score":0.026946800062432885},{"text":"Yeah.","start":53.519997,"end":53.84,"sentiment":"neutral","sentiment_score":0.1905701607465744},{"text":"Perfect.","start":53.84,"end":54.239998,"sentiment":"positive","sentiment_score":0.3496119976043701}],"sentiment":"neutral","sentiment_score":0.15334424745502337,"num_words":53,"start":29.67,"end":54.239998},{"sentences":[{"text":"That's plenty of time.","start":54.239998,"end":55.859997,"sentiment":"neutral","sentiment_score":0.2958092465996742},{"text":"And just briefly as well, so with your your main inquiry, I think there was a note here around one of the investment options in the super.","start":55.92,"end":63.359997,"sentiment":"neutral","sentiment_score":0.08526498382842099},{"text":"Is that correct?","start":63.359997,"end":64.18,"sentiment":"neutral","sentiment_score":0.08046694472432137},{"text":"Oh, yes.","start":75.605,"end":76.165,"sentiment":"neutral","sentiment_score":0.007380322087556124},{"text":"Annual review.","start":76.165,"end":77.145004,"sentiment":"neutral","sentiment_score":0.00502049969509244}],"sentiment":"neutral","sentiment_score":0.09872615861853487,"num_words":38,"start":54.239998,"end":77.145004},{"sentences":[{"text":"So reason why we we kind of bring it forward just a little bit because your your services with us refresh on around about the May 24.","start":77.445,"end":89.270004,"sentiment":"neutral","sentiment_score":0.011792665623404362},{"text":"But as you've probably seen in the news that the wealth's kind of on fire at the moment, so wanted to, yeah, we wanted to catch you just a little bit earlier just to go through a couple of things just so you're not blindsided with what's going on and just sort of see if there's anything we need to fix up.","start":89.409996,"end":105.15,"sentiment":"neutral","sentiment_score":0.002473732982311518},{"text":"Perfect.","start":106.91,"end":107.23,"sentiment":"positive","sentiment_score":0.6372759342193604},{"text":"So what I'll do, I do have, like, an annual review pack that I've prepared.","start":107.23,"end":111.73,"sentiment":"neutral","sentiment_score":0.27400454580783845},{"text":"If you are comfortable for that review, I'll shoot that through after this call, and you can have a look at it, make sure you're comfortable with everything.","start":112.590004,"end":119.490005,"sentiment":"neutral","sentiment_score":0.22500518443328993}],"sentiment":"neutral","sentiment_score":0.08661099776093449,"num_words":133,"start":77.445,"end":119.490005},{"sentences":[{"text":"The main thing that we do is I wanted to just go through and update your details to see if there's been any significant changes since we last spoke, and then just give you a bit of an update on the super and see if we need to change anything with that or your attached insurance policy.","start":120.075,"end":134.895,"sentiment":"neutral","sentiment_score":0.041484882156446315},{"text":"Okay.","start":144.76999,"end":145.26999,"sentiment":"neutral","sentiment_score":-0.00015983916819095612},{"text":"Perfect.","start":150.14499,"end":150.64499,"sentiment":"neutral","sentiment_score":0.23788553476333615},{"text":"So with the company, are you now employed by your company earning wages?","start":150.705,"end":155.765,"sentiment":"neutral","sentiment_score":0.04047997467792951},{"text":"Fantastic.","start":158.22499,"end":158.72499,"sentiment":"positive","sentiment_score":0.385283499956131}],"sentiment":"neutral","sentiment_score":0.04813544040112055,"num_words":73,"start":120.075,"end":158.72499},{"sentences":[{"text":"Let me just have a quick look into your transaction history for a moment because that should tell me that your okay.","start":159.105,"end":171.11,"sentiment":"neutral","sentiment_score":0.16734481806104834},{"text":"I don't see any contributions in there.","start":171.11,"end":174.47,"sentiment":"neutral","sentiment_score":-0.18450076345886504},{"text":"We've got MindMate behavior support.","start":174.47,"end":176.73,"sentiment":"neutral","sentiment_score":0.02773298742249608},{"text":"Oh, wow.","start":183.88501,"end":184.605,"sentiment":"neutral","sentiment_score":0.009973300155252218},{"text":"Okay.","start":184.605,"end":184.925,"sentiment":"neutral","sentiment_score":0.01240018755197525}],"sentiment":"neutral","sentiment_score":0.06921871292178293,"num_words":37,"start":159.105,"end":184.925},{"sentences":[{"text":"So MindMate Behavior Support, that's your company?","start":184.925,"end":187.425,"sentiment":"neutral","sentiment_score":0.008947641235343846},{"text":"Yes.","start":192.22,"end":192.72,"sentiment":"neutral","sentiment_score":0.01983010396361351},{"text":"Oh, amazing.","start":202.715,"end":203.355,"sentiment":"neutral","sentiment_score":0.2189483642578125},{"text":"So that should clear the account soon.","start":203.355,"end":205.215,"sentiment":"neutral","sentiment_score":0.09670977879847799},{"text":"And okay.","start":205.435,"end":207.275,"sentiment":"neutral","sentiment_score":0.07556509971618652}],"sentiment":"neutral","sentiment_score":0.07097152484991391,"num_words":19,"start":184.925,"end":207.275},{"sentences":[{"text":"So we've got MindMate gave you a nice little lump sum of 11,000, which means they're kind of caught up on any contributions that they owed you at the time, which is fantastic.","start":207.275,"end":218.26,"sentiment":"neutral","sentiment_score":0.2546041576248227},{"text":"With your wages from the company, we I think our last income, we had you earning around about 150,000.","start":220.8,"end":227.84,"sentiment":"neutral","sentiment_score":0.008702430972143224},{"text":"Do you know what your wages are set up?","start":227.84,"end":229.665,"sentiment":"neutral","sentiment_score":-0.1177371417482694},{"text":"No worries.","start":234.385,"end":235.20499,"sentiment":"neutral","sentiment_score":-0.06248125806450844},{"text":"We had your last income at around about 150,000.","start":236.06499,"end":239.685,"sentiment":"neutral","sentiment_score":-0.04302428373032146}],"sentiment":"neutral","sentiment_score":0.09715927839796576,"num_words":72,"start":207.275,"end":239.685},{"sentences":[{"text":"Do you know what your wages are set to now?","start":239.745,"end":241.89,"sentiment":"neutral","sentiment_score":-0.0009586487896740437},{"text":"Perfect.","start":244.85,"end":245.25,"sentiment":"positive","sentiment_score":0.5119869112968445},{"text":"So a 150,000 is okay.","start":245.25,"end":246.93,"sentiment":"neutral","sentiment_score":0.2487932026386261},{"text":"Just remain as it is?","start":246.93,"end":248.31,"sentiment":"neutral","sentiment_score":0.1251893013715744},{"text":"Absolutely.","start":260.865,"end":261.365,"sentiment":"positive","sentiment_score":0.5237451195716858}],"sentiment":"neutral","sentiment_score":0.13163900286467237,"num_words":22,"start":239.745,"end":261.365},{"sentences":[{"text":"So very exciting for you to to journey out on starting your own company.","start":261.425,"end":265.345,"sentiment":"positive","sentiment_score":0.6742293153490339},{"text":"And I'm assuming do you still do you still kind of contract or invoice to the same group, or have you kind of branched out a little bit?","start":265.345,"end":272.75,"sentiment":"neutral","sentiment_score":0.04639978513919881},{"text":"Okay.","start":290.985,"end":291.465,"sentiment":"neutral","sentiment_score":0.22560161352157593},{"text":"Fantastic.","start":291.465,"end":291.965,"sentiment":"positive","sentiment_score":0.4933174252510071},{"text":"Would you still count your occupation as, like, a behavioral therapist?","start":292.185,"end":295.405,"sentiment":"neutral","sentiment_score":0.15193115039305252}],"sentiment":"neutral","sentiment_score":0.23870120167054915,"num_words":55,"start":261.425,"end":295.405},{"sentences":[{"text":"Easy done.","start":298.08002,"end":298.9,"sentiment":"neutral","sentiment_score":0.23949863761663437},{"text":"And okay.","start":299.92,"end":301.6,"sentiment":"neutral","sentiment_score":0.07694684714078903},{"text":"I'm assuming you're kind of doing that full time at the moment, aren't you?","start":301.6,"end":304.74,"sentiment":"neutral","sentiment_score":0.048052217811346054},{"text":"Yep.","start":306.32,"end":306.64,"sentiment":"neutral","sentiment_score":0.05363030359148979},{"text":"So I'll put that down.","start":306.64,"end":307.86002,"sentiment":"neutral","sentiment_score":0.049710030853748324}],"sentiment":"neutral","sentiment_score":0.06699176986391346,"num_words":24,"start":298.08002,"end":307.86002},{"sentences":[{"text":"Is it do you just do, like, a standard thirty eight hours, or do you kind of just do everything that needs to be done?","start":307.985,"end":312.705,"sentiment":"neutral","sentiment_score":0.02466201826930046},{"text":"And Oh, yes.","start":312.705,"end":327.92,"sentiment":"neutral","sentiment_score":0.03712465117375056},{"text":"I got you.","start":327.92,"end":328.82,"sentiment":"neutral","sentiment_score":0.022367851808667183},{"text":"Yeah.","start":345.23,"end":345.55002,"sentiment":"neutral","sentiment_score":-0.06900804489850998},{"text":"So it can fluctuate quite a bit.","start":345.55002,"end":347.89,"sentiment":"neutral","sentiment_score":-0.1067298852971622}],"sentiment":"neutral","sentiment_score":-0.0005407506743302709,"num_words":39,"start":307.985,"end":347.89},{"sentences":[{"text":"Okay.","start":349.23,"end":349.73,"sentiment":"neutral","sentiment_score":0.08863847702741623},{"text":"Alright.","start":350.19,"end":350.67,"sentiment":"neutral","sentiment_score":0.10874710977077484},{"text":"I'm gonna wind back for a quick moment.","start":350.67,"end":352.75,"sentiment":"neutral","sentiment_score":0.09505775757133961},{"text":"So in terms of personal details, we had you married to Jaden, and you're still in Brooklyn Way in Australia, WA.","start":352.75,"end":364.065,"sentiment":"neutral","sentiment_score":0.041281476616859436},{"text":"Perfect.","start":366.045,"end":366.545,"sentiment":"positive","sentiment_score":0.44790488481521606}],"sentiment":"neutral","sentiment_score":0.07102073566056788,"num_words":32,"start":349.23,"end":366.545},{"sentences":[{"text":"So as far as your assets and liabilities go, we had, like, your home and some land as well.","start":366.605,"end":373.665,"sentiment":"neutral","sentiment_score":0.06603306992665718},{"text":"Home was valued at 800,000 owing 150,000.","start":375.47998,"end":379.25998,"sentiment":"neutral","sentiment_score":-0.033346104834760935},{"text":"Do you know what that's at at the moment?","start":379.4,"end":381.25998,"sentiment":"neutral","sentiment_score":-0.039000123325321406},{"text":"Yeah.","start":393.895,"end":394.395,"sentiment":"neutral","sentiment_score":-0.01838829182088375},{"text":"Yeah.","start":396.535,"end":397.015,"sentiment":"neutral","sentiment_score":-0.013569570146501064}],"sentiment":"neutral","sentiment_score":0.01724990872615898,"num_words":37,"start":366.605,"end":397.015},{"sentences":[{"text":"Okay.","start":397.015,"end":397.415,"sentiment":"neutral","sentiment_score":-0.025866806507110596},{"text":"Between 900 to 950,000.","start":397.415,"end":400.14,"sentiment":"neutral","sentiment_score":-0.061824251897633076},{"text":"We lost that.","start":400.14,"end":400.86002,"sentiment":"neutral","sentiment_score":-0.22444353501001993},{"text":"That's fantastic.","start":400.86002,"end":401.68002,"sentiment":"positive","sentiment_score":0.5020342767238617},{"text":"And I was looking through.","start":403.5,"end":404.78,"sentiment":"neutral","sentiment_score":0.22527793943881988}],"sentiment":"neutral","sentiment_score":0.07893092210094134,"num_words":15,"start":397.015,"end":404.78},{"sentences":[{"text":"So we had you have some work tech, some household content.","start":404.78,"end":409.18002,"sentiment":"neutral","sentiment_score":0.022446055981245907},{"text":"You've got the cars, the Nissan, and the j eight.","start":409.18002,"end":413.12003,"sentiment":"neutral","sentiment_score":0.007860519178211688},{"text":"Outside of that perfect.","start":414.06,"end":420.04498,"sentiment":"neutral","sentiment_score":-0.03512009233236313},{"text":"Is there a car loan attached, or is it just straight up purchase?","start":420.04498,"end":423.10498,"sentiment":"neutral","sentiment_score":-0.004256715496572165},{"text":"Okay.","start":426.365,"end":426.76498,"sentiment":"neutral","sentiment_score":0.011032280512154102}],"sentiment":"neutral","sentiment_score":0.0036083696744380854,"num_words":39,"start":404.78,"end":426.76498},{"sentences":[{"text":"So we have a new car, and that is valued at approximately k.","start":426.76498,"end":435.77002,"sentiment":"neutral","sentiment_score":0.0119867638613169},{"text":"Okay.","start":446.805,"end":447.305,"sentiment":"neutral","sentiment_score":0.2144941687583923},{"text":"Fantastic.","start":447.925,"end":448.425,"sentiment":"positive","sentiment_score":0.4018084406852722},{"text":"Alright.","start":450.245,"end":450.565,"sentiment":"neutral","sentiment_score":0.19407671689987183},{"text":"I'm just updating this on your file here.","start":450.565,"end":452.645,"sentiment":"neutral","sentiment_score":0.1815392803400755}],"sentiment":"neutral","sentiment_score":0.10077172913588583,"num_words":24,"start":426.76498,"end":452.645},{"sentences":[{"text":"So the j h, John, Nissan is there.","start":452.645,"end":456.55,"sentiment":"neutral","sentiment_score":0.028966355952434242},{"text":"Is there any other, like, assets or loans floating around?","start":457.41,"end":460.45,"sentiment":"neutral","sentiment_score":-0.011824466474354266},{"text":"You don't have a whole bunch of cash floating under the mattress, some shares, nothing like that.","start":460.45,"end":465.27,"sentiment":"neutral","sentiment_score":-0.1087723306434996},{"text":"No.","start":486.72,"end":486.96,"sentiment":"neutral","sentiment_score":-0.15951940417289734},{"text":"That's perfect.","start":486.96,"end":487.7,"sentiment":"neutral","sentiment_score":0.11562738940119743}],"sentiment":"neutral","sentiment_score":-0.04378705430089643,"num_words":38,"start":452.645,"end":487.7},{"sentences":[{"text":"I know a few people have cryptocurrency in the background and things like that.","start":487.91998,"end":493.3,"sentiment":"neutral","sentiment_score":-0.02425532042980194},{"text":"Not up your alley.","start":496.385,"end":497.605,"sentiment":"neutral","sentiment_score":-0.2653520219027996},{"text":"I hear you loud and clear.","start":497.665,"end":499.125,"sentiment":"neutral","sentiment_score":-0.17423822109897932},{"text":"Perfect.","start":502.065,"end":502.465,"sentiment":"positive","sentiment_score":0.5284708738327026},{"text":"Perfect.","start":502.465,"end":502.965,"sentiment":"positive","sentiment_score":0.502315104007721}],"sentiment":"neutral","sentiment_score":-0.05444715086084146,"num_words":26,"start":487.91998,"end":502.965},{"sentences":[{"text":"As far as, like, your cash flow goes, I know this is all still kind of new but similar income.","start":503.58502,"end":508.325,"sentiment":"neutral","sentiment_score":0.12976403646171092},{"text":"Do you have, like, a set amount that you try and put aside every week or fortnight or month?","start":508.62,"end":512.96,"sentiment":"neutral","sentiment_score":0.06684879105734198},{"text":"More so like surplus savings.","start":518.22,"end":519.9,"sentiment":"neutral","sentiment_score":0.026988987624645234},{"text":"Are you able to put anything aside into savings?","start":519.9,"end":522.24,"sentiment":"neutral","sentiment_score":0.036250011581513614},{"text":"Yep.","start":527.195,"end":527.695,"sentiment":"neutral","sentiment_score":0.06518696248531342}],"sentiment":"neutral","sentiment_score":0.08132944007714589,"num_words":54,"start":503.58502,"end":527.695},{"sentences":[{"text":"Yep.","start":537.93,"end":538.43,"sentiment":"neutral","sentiment_score":0.11378562450408936},{"text":"Fantastic.","start":543.85004,"end":544.35004,"sentiment":"positive","sentiment_score":0.6020696759223938},{"text":"Go.","start":544.49,"end":544.99,"sentiment":"positive","sentiment_score":0.38086581230163574},{"text":"Perfect.","start":556.265,"end":556.66504,"sentiment":"positive","sentiment_score":0.45480361580848694},{"text":"So I'll set the savings to a nice, safe sort of 5,000 a month for now, just bearing in mind there's a bit of leeway on top of that.","start":556.66504,"end":565.41,"sentiment":"neutral","sentiment_score":0.24935521339548045}],"sentiment":"neutral","sentiment_score":0.26614623990925873,"num_words":33,"start":537.93,"end":565.41},{"sentences":[{"text":"Easy done.","start":565.55,"end":566.19,"sentiment":"positive","sentiment_score":0.49207063019275665},{"text":"Easy done.","start":566.19,"end":567.07,"sentiment":"positive","sentiment_score":0.38499078154563904},{"text":"And as far as estate planning goes, last time we checked, you didn't have, like, a will or power of attorney in place.","start":567.07,"end":573.63,"sentiment":"neutral","sentiment_score":0.05862780773769254},{"text":"Did you end up getting that sorted?","start":573.63,"end":575.17,"sentiment":"neutral","sentiment_score":0.054767189880034754},{"text":"Amazing.","start":583.985,"end":584.485,"sentiment":"positive","sentiment_score":0.5428866147994995}],"sentiment":"neutral","sentiment_score":0.11510912415438465,"num_words":35,"start":565.55,"end":584.485},{"sentences":[{"text":"Oh, perfect.","start":587.84,"end":591.7,"sentiment":"neutral","sentiment_score":0.33291890285909176},{"text":"Perfect.","start":597.44,"end":597.76,"sentiment":"positive","sentiment_score":0.5477561950683594},{"text":"So I'll put a note down that you're gonna talk to them about the wills and the power of attorneys and everything like that.","start":597.76,"end":603.255,"sentiment":"neutral","sentiment_score":0.19428011837104955},{"text":"So that is fantastic.","start":603.415,"end":605.03503,"sentiment":"positive","sentiment_score":0.703933022916317},{"text":"I'm just gonna have a quick look at your beneficiary details for your super, make sure that's all looking good.","start":605.495,"end":611.59503,"sentiment":"positive","sentiment_score":0.44727039337158203}],"sentiment":"positive","sentiment_score":0.3458324862899734,"num_words":51,"start":587.84,"end":611.59503},{"sentences":[{"text":"We did have it split between Jayden and Corey, 50 50.","start":611.655,"end":616.395,"sentiment":"neutral","sentiment_score":0.058640002865682946},{"text":"Perfect.","start":618.62,"end":619.12,"sentiment":"positive","sentiment_score":0.48656874895095825},{"text":"Just bear in mind that if you do have benefits left to a minor, for example, is Corey under 18 or above 18?","start":619.26,"end":629.115,"sentiment":"neutral","sentiment_score":0.04931790470753027},{"text":"27.","start":631.355,"end":632.075,"sentiment":"neutral","sentiment_score":0.03532110154628754},{"text":"Perfect.","start":632.075,"end":632.555,"sentiment":"neutral","sentiment_score":0.2567618787288666}],"sentiment":"neutral","sentiment_score":0.06913523159518435,"num_words":37,"start":611.655,"end":632.555},{"sentences":[{"text":"So when it comes to a spouse, when they receive your super, it is the the Canada's a tax dependent, so they get it all tax free.","start":632.555,"end":640.415,"sentiment":"neutral","sentiment_score":0.07753798558756157},{"text":"An adult child is unfortunately no longer a tax dependent, so they may pay a little bit on it.","start":640.635,"end":645.69,"sentiment":"neutral","sentiment_score":0.009639303346997813},{"text":"But if you want it to go between the two, that is okay.","start":645.69,"end":648.75,"sentiment":"neutral","sentiment_score":0.05946665142591183},{"text":"Just wanted to let you know that would be the outcome.","start":648.81,"end":651.07,"sentiment":"neutral","sentiment_score":0.15460395948453384},{"text":"Absolutely.","start":654.265,"end":654.765,"sentiment":"positive","sentiment_score":0.3697702884674072}],"sentiment":"neutral","sentiment_score":0.0721148265604402,"num_words":71,"start":632.555,"end":654.765},{"sentences":[{"text":"You do have as well a life insurance policy that I wanted to talk to you about because you did just have an anniversary, and it changes every year.","start":655.385,"end":664.505,"sentiment":"neutral","sentiment_score":0.14659593061640344},{"text":"So I wanna make sure that's still okay.","start":664.505,"end":666.685,"sentiment":"neutral","sentiment_score":0.1529614580795169},{"text":"So you have life insurance and total disability.","start":668.85,"end":672.14996,"sentiment":"neutral","sentiment_score":0.02317763213068247},{"text":"So that's your lump sums.","start":672.29,"end":673.67,"sentiment":"neutral","sentiment_score":0.03226769245229662},{"text":"Or if you pass away or can never work again, it's a million and $50,000 as a lump sum.","start":673.81,"end":680.175,"sentiment":"neutral","sentiment_score":-0.05752730200459298}],"sentiment":"neutral","sentiment_score":0.06853209324248567,"num_words":69,"start":655.385,"end":680.175},{"sentences":[{"text":"So what I wanted to ask you is because your mortgage is down so low, let's say that comes out and it pays off the mortgage and you're left with 8 or 900,000 for the family plus the super on top, kinda gets you close to that million dollars for them.","start":681.935,"end":697.94,"sentiment":"neutral","sentiment_score":0.13810913115009374},{"text":"What does that do for the family?","start":698.0,"end":699.52,"sentiment":"neutral","sentiment_score":0.30875504655497416},{"text":"Is that still a good situation?","start":699.52,"end":701.06,"sentiment":"positive","sentiment_score":0.38830896218617755},{"text":"What does that do for them?","start":701.28,"end":702.66003,"sentiment":"neutral","sentiment_score":0.32029856244723004},{"text":"Yep.","start":710.655,"end":711.155,"sentiment":"positive","sentiment_score":0.41195112466812134}],"sentiment":"neutral","sentiment_score":0.19533024347898825,"num_words":71,"start":681.935,"end":711.155},{"sentences":[{"text":"Yeah.","start":719.38995,"end":719.70996,"sentiment":"neutral","sentiment_score":0.30071234703063965},{"text":"And that'll help him.","start":719.70996,"end":720.85,"sentiment":"positive","sentiment_score":0.3533739224076271},{"text":"Yeah.","start":731.325,"end":731.725,"sentiment":"neutral","sentiment_score":0.03302675485610962},{"text":"So the average I see is between 500,000 and 1,000,000.","start":731.725,"end":735.825,"sentiment":"neutral","sentiment_score":0.04513118043541908},{"text":"Mainly people just the baseline is is covering debt as a main thing.","start":735.885,"end":740.7,"sentiment":"neutral","sentiment_score":0.012048656980578717}],"sentiment":"neutral","sentiment_score":0.08121307367651627,"num_words":29,"start":719.38995,"end":740.7},{"sentences":[{"text":"And then after that, you've got, like, income replacement or setting up your children and things like that.","start":740.78,"end":746.24,"sentiment":"neutral","sentiment_score":0.025217627071672015},{"text":"Yep.","start":751.26,"end":751.58,"sentiment":"neutral","sentiment_score":0.2217974066734314},{"text":"Perfect.","start":751.58,"end":752.08,"sentiment":"positive","sentiment_score":0.4741899967193603},{"text":"Price wise, it's jumped up a little bit, but it's not too crazy.","start":752.96497,"end":755.605,"sentiment":"neutral","sentiment_score":0.2662102992718036},{"text":"The life and the TPD are still under 1,000.","start":755.605,"end":758.345,"sentiment":"neutral","sentiment_score":0.2328457368744744}],"sentiment":"neutral","sentiment_score":0.15967262412110964,"num_words":42,"start":740.78,"end":758.345},{"sentences":[{"text":"And then it gets a 15% rebate because any expense inside super gets 15% as a tax rebate.","start":758.96497,"end":765.46497,"sentiment":"neutral","sentiment_score":0.21011481516891056},{"text":"So that won't impact your super too much.","start":767.73,"end":770.53,"sentiment":"neutral","sentiment_score":0.15550431702286005},{"text":"Like, you've obviously got a decent amount of contributions going in.","start":770.53,"end":773.83,"sentiment":"positive","sentiment_score":0.4157926805994727},{"text":"You've got a decent balance, decent growth.","start":773.89,"end":776.77,"sentiment":"positive","sentiment_score":0.45492073042052134},{"text":"So it's not, like, a major anchor pulling you back.","start":776.77,"end":779.75,"sentiment":"neutral","sentiment_score":0.10602037608623505}],"sentiment":"neutral","sentiment_score":0.25637906610413835,"num_words":54,"start":758.96497,"end":779.75},{"sentences":[{"text":"When it comes to your income protection, so you have income protection if you're out of work for more than a month.","start":782.335,"end":788.515,"sentiment":"neutral","sentiment_score":0.09499230201948773},{"text":"They will give you monthly income replacement for up to five years.","start":788.575,"end":792.67505,"sentiment":"neutral","sentiment_score":0.1966343019157648},{"text":"Now your sum insured is 10,794 per month because the maximum is between 7075% depending on when the policy came out.","start":794.41,"end":806.475,"sentiment":"neutral","sentiment_score":0.04897230118513107},{"text":"And I'm just gonna do my little magic calculator here.","start":806.475,"end":809.535,"sentiment":"neutral","sentiment_score":0.09904267787933349},{"text":"It's protecting an income of around about just having a look at the inception date here, 2024.","start":811.75494,"end":819.295,"sentiment":"neutral","sentiment_score":0.18274692577474258}],"sentiment":"neutral","sentiment_score":0.11676811108865388,"num_words":82,"start":782.335,"end":819.295},{"sentences":[{"text":"So 10,800 a month, that's protecting an income of a 185,000, which if you were to, yeah.","start":820.44,"end":833.175,"sentiment":"neutral","sentiment_score":0.12977876952465842},{"text":"So if you were to put in a claim, they look at your income going backwards twelve months.","start":833.175,"end":837.815,"sentiment":"neutral","sentiment_score":0.003293375303554866},{"text":"They work out that percentage.","start":837.815,"end":839.195,"sentiment":"neutral","sentiment_score":0.056198157370090485},{"text":"And, basically, if you're only earning a 150,000, they would give you 70% of that, not of the higher amount.","start":839.575,"end":847.435,"sentiment":"neutral","sentiment_score":0.02814109595492482},{"text":"Rent.","start":849.94995,"end":850.11,"sentiment":"neutral","sentiment_score":0.09705446660518646}],"sentiment":"neutral","sentiment_score":0.052563721474382236,"num_words":61,"start":820.44,"end":850.11},{"sentences":[{"text":"So what I would think of doing is sometimes they can incorporate a bit of your super contributions on top to close the gap, which if I go a 150,000 and add on super, that's a 168,000.","start":850.11,"end":864.46497,"sentiment":"neutral","sentiment_score":0.1718391361268791},{"text":"So either way, you're still over insured for the income protection.","start":864.46497,"end":867.365,"sentiment":"neutral","sentiment_score":0.06732411750338295},{"text":"So what I would like to do potentially is I will get an alteration quote through for a little bit of a trim down just to save you a bit on the premiums.","start":871.345,"end":880.34,"sentiment":"neutral","sentiment_score":0.1378714722214323},{"text":"K?","start":883.12,"end":883.60004,"sentiment":"neutral","sentiment_score":0.045227549970149994},{"text":"Otherwise, again, like, having extra insurance means that you have capacity for when your income goes up, but then it means if you were to claim tomorrow, you would be paying more for what you couldn't get.","start":883.60004,"end":894.305,"sentiment":"neutral","sentiment_score":-0.10353335556951729}],"sentiment":"neutral","sentiment_score":0.0660744983734203,"num_words":119,"start":850.11,"end":894.305},{"sentences":[{"text":"Does that make sense?","start":896.605,"end":897.665,"sentiment":"neutral","sentiment_score":0.09222562983632088},{"text":"So I'll try and base it on your current income at the moment, maybe plus super, and then I'll let you know what that's looking like.","start":900.125,"end":907.505,"sentiment":"neutral","sentiment_score":0.09247006483089465},{"text":"Okay.","start":908.97003,"end":909.47003,"sentiment":"neutral","sentiment_score":-0.03707513213157654},{"text":"Now just swinging over onto the super side of things, I did mention at the start of the call, the world's kind of on fire at the moment as it is.","start":909.61005,"end":918.35004,"sentiment":"neutral","sentiment_score":-0.07380116412476186},{"text":"It hasn't it hasn't gone into the negative for the year.","start":919.05005,"end":921.945,"sentiment":"neutral","sentiment_score":-0.2842011072418906}],"sentiment":"neutral","sentiment_score":-0.03668492047549927,"num_words":73,"start":896.605,"end":921.945},{"sentences":[{"text":"So even though the stock market's kind of taking a jump down, you're still up 4% for the last twelve months.","start":922.185,"end":928.205,"sentiment":"neutral","sentiment_score":0.15355360011259714},{"text":"K.","start":930.025,"end":930.34503,"sentiment":"neutral","sentiment_score":0.14633452892303467},{"text":"The only thing I'm looking at your portfolio, you're in a high growth.","start":930.34503,"end":934.08,"sentiment":"neutral","sentiment_score":0.16609009068745834},{"text":"So 90 percent in growth assets, shares, property, and so on.","start":934.4,"end":938.66003,"sentiment":"neutral","sentiment_score":0.15568348155780273},{"text":"Now that's pretty well geared towards getting you, like, the higher returns.","start":940.0,"end":943.86005,"sentiment":"positive","sentiment_score":0.3974676529566447}],"sentiment":"neutral","sentiment_score":0.2071079559110362,"num_words":58,"start":922.185,"end":943.86005},{"sentences":[{"text":"Try and grow your super as you can.","start":944.08,"end":946.18,"sentiment":"positive","sentiment_score":0.43752165883779526},{"text":"At some point, you probably don't wanna stay high risk forever because, again, if you're 65, you probably don't want the stock market to crash and you lose half your super a year before you go to retire and access it.","start":946.24,"end":957.025,"sentiment":"neutral","sentiment_score":-0.2712879378984614},{"text":"Do you know what I mean?","start":957.025,"end":958.085,"sentiment":"neutral","sentiment_score":-0.06356710319717725},{"text":"K?","start":959.60004,"end":960.10004,"sentiment":"neutral","sentiment_score":0.002920340746641159},{"text":"So in the interim, because of your current age, you still got a a good couple of decades ahead of you.","start":960.32,"end":966.42004,"sentiment":"neutral","sentiment_score":-0.009416719809884117}],"sentiment":"neutral","sentiment_score":-0.1064787737347863,"num_words":77,"start":944.08,"end":966.42004},{"sentences":[{"text":"Now what tends to happen over those twenty years is, let's say, every seven years, there's a market cycle.","start":967.12006,"end":973.66504,"sentiment":"neutral","sentiment_score":-0.051189137034510314},{"text":"The stock market goes up, up, up, up, up, and then there's a COVID financial crisis, a war, and the stock market takes a jump, a dive.","start":973.66504,"end":981.28503,"sentiment":"neutral","sentiment_score":-0.13222075212332937},{"text":"Now when you're in high growth, it goes up and down like a roller coaster.","start":982.78503,"end":986.22504,"sentiment":"neutral","sentiment_score":-0.04350223367412885},{"text":"It could go up ten, twenty, 30% in a single year.","start":986.22504,"end":989.98,"sentiment":"neutral","sentiment_score":0.04436006295410069},{"text":"And then over the decade, you're trying to average out at a return of above 10%.","start":991.32,"end":996.94,"sentiment":"neutral","sentiment_score":0.07404572167433798}],"sentiment":"neutral","sentiment_score":-0.04002721791832962,"num_words":88,"start":967.12006,"end":996.94},{"sentences":[{"text":"That's kind of your benchmark.","start":997.0,"end":998.38,"sentiment":"neutral","sentiment_score":0.10114199221134186},{"text":"Does that make sense?","start":998.52,"end":999.66,"sentiment":"neutral","sentiment_score":0.10303639248013495},{"text":"K.","start":1001.465,"end":1001.54504,"sentiment":"neutral","sentiment_score":0.06661058962345123},{"text":"So your portfolio is still averaging out above the benchmark, which is good.","start":1001.54504,"end":1005.78503,"sentiment":"neutral","sentiment_score":0.253633514046669},{"text":"I'm just warning you that what tends to happen is the markets drop.","start":1005.78503,"end":1009.54504,"sentiment":"neutral","sentiment_score":-0.2545407632222542}],"sentiment":"neutral","sentiment_score":0.02701866336994701,"num_words":36,"start":997.0,"end":1009.54504},{"sentences":[{"text":"So you're sitting at 215,800 and 35 today.","start":1009.54504,"end":1013.885,"sentiment":"neutral","sentiment_score":0.07022944930940866},{"text":"So what tends to happen, and this pretty much will happen, is when the next crash happens, your super will go from, like, 215,000 to, like, 185.","start":1014.93,"end":1024.47,"sentiment":"neutral","sentiment_score":0.059932177886366844},{"text":"And then 12 months later, two years later, you'll be sitting at $2.50, $2.60.","start":1024.61,"end":1028.71,"sentiment":"neutral","sentiment_score":0.0629791681255613},{"text":"So yep.","start":1030.755,"end":1033.895,"sentiment":"neutral","sentiment_score":0.1426726719364524},{"text":"So when we think of what to do, we wanna make sure that all the investments are good quality.","start":1033.955,"end":1039.015,"sentiment":"positive","sentiment_score":0.33510178641269084}],"sentiment":"neutral","sentiment_score":0.13877131481255803,"num_words":70,"start":1009.54504,"end":1039.015},{"sentences":[{"text":"And then when the market goes down, your contributions are going in, and we get to kind of use it as a buying opportunity.","start":1039.1549,"end":1045.27,"sentiment":"positive","sentiment_score":0.3444058479120334},{"text":"The properties and companies go down in value.","start":1045.73,"end":1049.19,"sentiment":"neutral","sentiment_score":0.2761932276189327},{"text":"You get to buy more of them.","start":1049.25,"end":1050.61,"sentiment":"neutral","sentiment_score":0.27859205433300566},{"text":"And then when the stock market goes up, you get a big return on the way up.","start":1050.61,"end":1054.07,"sentiment":"positive","sentiment_score":0.39175133670077605},{"text":"So what I'm kind of telling you is that for the next three cycles, call that twenty one years, you've got a lot of growth and buying opportunities for the next fourteen years.","start":1055.995,"end":1065.855,"sentiment":"neutral","sentiment_score":0.32436522299593146}],"sentiment":"positive","sentiment_score":0.334710737460115,"num_words":89,"start":1039.1549,"end":1065.855},{"sentences":[{"text":"In that last seven to ten years, we have to gradually reduce your risk level.","start":1066.0751,"end":1070.93,"sentiment":"neutral","sentiment_score":0.043250662833452226},{"text":"So instead of staying 90% shares in property, we would gradually reduce you down eighty, seventy, sixty, fifty, forty, and then you are at retirement phase.","start":1070.93,"end":1082.0701,"sentiment":"neutral","sentiment_score":0.0707420795582808},{"text":"So I just wanna make sure that you're still comfortable with that that behavior and that plan.","start":1083.735,"end":1088.4751,"sentiment":"neutral","sentiment_score":0.11393871311755742},{"text":"Cool.","start":1100.31,"end":1100.81,"sentiment":"neutral","sentiment_score":0.1698182076215744},{"text":"Yeah.","start":1108.8049,"end":1109.125,"sentiment":"neutral","sentiment_score":0.03729766607284546}],"sentiment":"neutral","sentiment_score":0.077202133461833,"num_words":60,"start":1066.0751,"end":1109.125},{"sentences":[{"text":"Look.","start":1109.125,"end":1109.365,"sentiment":"neutral","sentiment_score":0.06358588486909866},{"text":"It's totally about your they call it risk tolerance because it's all about higher highs and lower lows.","start":1109.365,"end":1115.365,"sentiment":"neutral","sentiment_score":0.04321769862953159},{"text":"The more risky you go, it's gonna higher returns, lower drops, and average out better over the long term.","start":1115.365,"end":1121.52,"sentiment":"neutral","sentiment_score":0.14344458242780284},{"text":"Now some people can't handle seeing their super.","start":1122.96,"end":1125.12,"sentiment":"negative","sentiment_score":-0.3815605454146862},{"text":"They watch it every day, and they watch it go up and down, and they and they panic.","start":1125.12,"end":1128.18,"sentiment":"neutral","sentiment_score":-0.32819487402836484}],"sentiment":"neutral","sentiment_score":-0.08426625889842398,"num_words":64,"start":1109.125,"end":1128.18},{"sentences":[{"text":"Yep.","start":1130.0801,"end":1130.48,"sentiment":"neutral","sentiment_score":0.05850229412317276},{"text":"We all we all know people that do it.","start":1130.48,"end":1132.48,"sentiment":"neutral","sentiment_score":0.033866896397537656},{"text":"And if you can remove the emotions, it's great long term.","start":1132.48,"end":1136.02,"sentiment":"neutral","sentiment_score":0.09465264732187445},{"text":"If the emotions are a barrier that's too far, then we need to make adjustments.","start":1136.105,"end":1139.5651,"sentiment":"neutral","sentiment_score":-0.32253899971644084},{"text":"Yeah.","start":1153.56,"end":1153.88,"sentiment":"neutral","sentiment_score":0.15389159321784973}],"sentiment":"neutral","sentiment_score":-0.08864080865640898,"num_words":37,"start":1130.0801,"end":1153.88},{"sentences":[{"text":"Absolutely.","start":1153.88,"end":1154.38,"sentiment":"neutral","sentiment_score":0.2842799425125122},{"text":"So overall, you've got about eight investment options in your super that we've put together as your portfolio, and they're split between different sectors.","start":1154.68,"end":1163.195,"sentiment":"neutral","sentiment_score":0.20854979443053404},{"text":"You've got Australian shares, property, gold, international shares, quite diverse range of different assets.","start":1163.195,"end":1169.375,"sentiment":"neutral","sentiment_score":0.24992317174162185},{"text":"Pretty much all of them have been doing really well.","start":1170.955,"end":1173.21,"sentiment":"positive","sentiment_score":0.5121766656637192},{"text":"Most of the growth has been 10 to 50%, that kind of thing.","start":1173.45,"end":1177.37,"sentiment":"neutral","sentiment_score":0.2863514572381973}],"sentiment":"neutral","sentiment_score":0.28439895183809344,"num_words":62,"start":1153.88,"end":1177.37},{"sentences":[{"text":"The only one that's dropped at the moment is your Australian shares in your bet along option, which has gone down a little bit.","start":1177.37,"end":1183.71,"sentiment":"neutral","sentiment_score":-0.19320546183735132},{"text":"Now normally, like I said just before, and I'm trying not to contradict myself here, is when the markets go down, we use it as a buying opportunity.","start":1185.5299,"end":1193.8949,"sentiment":"neutral","sentiment_score":0.0346701963405524},{"text":"We don't panic.","start":1193.8949,"end":1194.695,"sentiment":"neutral","sentiment_score":0.08859080076217651},{"text":"Right?","start":1194.695,"end":1195.195,"sentiment":"neutral","sentiment_score":0.11362822353839874},{"text":"On the flip side of things, if there is some options that we don't believe are hitting the benchmarks they should, and what I mean by that is if every other option in that pool is doing 9%, 8%, and this one's only doing two, then we need to make sure we have a flag on it in case there's a problem.","start":1197.0149,"end":1215.87,"sentiment":"neutral","sentiment_score":-0.06089873448194515}],"sentiment":"neutral","sentiment_score":-0.05985158049675115,"num_words":118,"start":1177.37,"end":1215.87},{"sentences":[{"text":"In this case, with the Bennelong option, we did flag it twelve months ago, and it hasn't come back to be with the rest of the pack, if that makes sense.","start":1217.8351,"end":1227.055,"sentiment":"neutral","sentiment_score":0.1388203403161418},{"text":"So I would actually be when we look at reducing down your income protection, I wanna put into the same document just a bit of an update on your investment options as well.","start":1228.65,"end":1237.55,"sentiment":"neutral","sentiment_score":0.16495942595330151},{"text":"K?","start":1239.29,"end":1239.77,"sentiment":"neutral","sentiment_score":0.04269522801041603},{"text":"The one question I'm gonna ask you, and this is really just gut feeling because I can I'm gonna make a recommendation for you, is if you had to choose between low fees or pay higher fees to get a higher return, which way would you lean?","start":1239.77,"end":1252.8,"sentiment":"neutral","sentiment_score":0.15265828117411187},{"text":"Or go towards low fees as an option as well.","start":1259.4401,"end":1263.14,"sentiment":"neutral","sentiment_score":0.1530401274561882}],"sentiment":"neutral","sentiment_score":0.1515994042952041,"num_words":122,"start":1217.8351,"end":1263.14},{"sentences":[{"text":"Yeah.","start":1267.375,"end":1267.855,"sentiment":"neutral","sentiment_score":0.17530107498168945},{"text":"And and that's basically a bit of a split between two styles.","start":1267.855,"end":1271.375,"sentiment":"neutral","sentiment_score":0.11436878331005573},{"text":"We call them active and passive.","start":1271.375,"end":1272.995,"sentiment":"neutral","sentiment_score":0.17314605166514715},{"text":"And I can find you a good one in either camp.","start":1273.1349,"end":1275.215,"sentiment":"positive","sentiment_score":0.3727933249690316},{"text":"It's really about where you're kind of leaning personally.","start":1275.215,"end":1278.195,"sentiment":"neutral","sentiment_score":0.17401187618573508}],"sentiment":"neutral","sentiment_score":0.211626570385236,"num_words":39,"start":1267.375,"end":1278.195},{"sentences":[{"text":"Yeah.","start":1288.23,"end":1288.63,"sentiment":"neutral","sentiment_score":0.11395933479070663},{"text":"And I guess the way I would reframe it is if the Australian stock market is consistently doing, let's say, 10% per year as growth, you can pay really low fees to get what's called an index fund that just tracks the Australian market in lockstep.","start":1288.63,"end":1304.7849,"sentiment":"neutral","sentiment_score":0.15887098062945448},{"text":"It just follows it up and down.","start":1304.7849,"end":1306.32,"sentiment":"neutral","sentiment_score":0.1031213141977787},{"text":"Or you can pay higher fees for an active manager who tries to pick and choose stocks and try and get you a better return.","start":1307.84,"end":1314.6599,"sentiment":"neutral","sentiment_score":0.16399576753377915},{"text":"Well, you're currently with you're currently with an active fund at the moment.","start":1319.855,"end":1324.9149,"sentiment":"neutral","sentiment_score":-0.05381858262878198}],"sentiment":"neutral","sentiment_score":0.12547963323152583,"num_words":92,"start":1288.23,"end":1324.9149},{"sentences":[{"text":"And so what I'll be doing is if you're comfortable with that kind of style that you've already been having, I can keep it in the same style, just find a better fund manager for you.","start":1324.975,"end":1333.5,"sentiment":"neutral","sentiment_score":0.005437165240032805},{"text":"Yeah.","start":1340.94,"end":1341.44,"sentiment":"neutral","sentiment_score":0.03691526874899864},{"text":"No.","start":1342.14,"end":1342.38,"sentiment":"neutral","sentiment_score":-0.0892476812005043},{"text":"That's totally fine.","start":1342.38,"end":1343.26,"sentiment":"neutral","sentiment_score":0.10001139932622512},{"text":"Either way, we're still gonna get you trying the the best outcome that we can, and I just wanna make sure there's no No.","start":1343.26,"end":1362.01,"sentiment":"neutral","sentiment_score":0.2648791656829417}],"sentiment":"neutral","sentiment_score":0.1046236878547531,"num_words":65,"start":1324.975,"end":1362.01},{"sentences":[{"text":"That's totally fine.","start":1362.01,"end":1363.05,"sentiment":"neutral","sentiment_score":0.13741521537303925},{"text":"And exactly.","start":1363.05,"end":1365.47,"sentiment":"neutral","sentiment_score":0.022856948897242546},{"text":"And the only reason why I really ask that question is because sometimes when I ask it, people have a very strong feeling or reaction one way or the other where they go, no.","start":1365.53,"end":1374.065,"sentiment":"neutral","sentiment_score":-0.1326457366128178},{"text":"No.","start":1374.065,"end":1374.145,"sentiment":"neutral","sentiment_score":-0.29340100288391113},{"text":"No.","start":1374.145,"end":1374.465,"sentiment":"neutral","sentiment_score":-0.2958911061286926}],"sentiment":"neutral","sentiment_score":-0.11320213682767821,"num_words":41,"start":1362.01,"end":1374.465},{"sentences":[{"text":"No.","start":1374.465,"end":1374.625,"sentiment":"negative","sentiment_score":-0.3919200301170349},{"text":"I I don't like this.","start":1374.625,"end":1375.505,"sentiment":"negative","sentiment_score":-0.5131069719791412},{"text":"I really wanna lower the fees or no.","start":1375.505,"end":1377.265,"sentiment":"neutral","sentiment_score":-0.1719293911010027},{"text":"No.","start":1377.265,"end":1377.345,"sentiment":"neutral","sentiment_score":-0.2042272835969925},{"text":"No.","start":1377.345,"end":1377.845,"sentiment":"neutral","sentiment_score":-0.24662047624588013}],"sentiment":"neutral","sentiment_score":-0.2989836111664772,"num_words":16,"start":1374.465,"end":1377.845},{"sentences":[{"text":"That's totally fine.","start":1385.025,"end":1386.485,"sentiment":"neutral","sentiment_score":0.0872383713722229},{"text":"Yeah.","start":1402.505,"end":1403.005,"sentiment":"neutral","sentiment_score":0.0025524944067001343},{"text":"So at the end of the day, you really just want to make sure it's well looked after.","start":1406.265,"end":1409.8049,"sentiment":"neutral","sentiment_score":0.17533697394861114},{"text":"Yep.","start":1411.5599,"end":1412.0599,"sentiment":"neutral","sentiment_score":0.19225770235061648},{"text":"Easy done.","start":1412.6,"end":1413.32,"sentiment":"positive","sentiment_score":0.358776330947876}],"sentiment":"neutral","sentiment_score":0.17320574015378953,"num_words":25,"start":1385.025,"end":1413.32},{"sentences":[{"text":"So what I'll do is I will go through and do some like for like replacements for you.","start":1413.32,"end":1417.7999,"sentiment":"neutral","sentiment_score":0.15630897134542465},{"text":"I've already got one in mind that I'm gonna research.","start":1417.7999,"end":1420.22,"sentiment":"neutral","sentiment_score":0.1096396915614605},{"text":"We've already been speaking with the investment committee.","start":1420.84,"end":1423.5,"sentiment":"neutral","sentiment_score":0.27196938917040825},{"text":"We flagged this issue towards Christmas time.","start":1423.955,"end":1426.6951,"sentiment":"neutral","sentiment_score":0.13266292427267348},{"text":"We've already got three or four options on the table.","start":1426.755,"end":1429.335,"sentiment":"neutral","sentiment_score":0.22116259932518006}],"sentiment":"neutral","sentiment_score":0.17407509389351,"num_words":53,"start":1413.32,"end":1429.335},{"sentences":[{"text":"I will basically research them, put them in a document for you with that reduction for the insurance, and I'll get that through to you so you can see what the new plan is.","start":1429.555,"end":1439.175,"sentiment":"neutral","sentiment_score":0.305887589998105},{"text":"Okay.","start":1445.19,"end":1445.69,"sentiment":"neutral","sentiment_score":0.02862155064940453},{"text":"No.","start":1453.5249,"end":1453.6849,"sentiment":"neutral","sentiment_score":-0.05863625556230545},{"text":"That's perfect.","start":1453.6849,"end":1454.4049,"sentiment":"neutral","sentiment_score":0.2498541623353958},{"text":"And, look, half the people I talk to, they say you get what you pay for.","start":1454.4049,"end":1457.6849,"sentiment":"neutral","sentiment_score":0.064213911537081}],"sentiment":"neutral","sentiment_score":0.22032026415345846,"num_words":54,"start":1429.555,"end":1457.6849},{"sentences":[{"text":"The other half go, all I care about is cost.","start":1457.6849,"end":1460.005,"sentiment":"neutral","sentiment_score":0.00004616528749465942},{"text":"Please keep it as minimal as possible, and we just tailor it to the person.","start":1460.005,"end":1463.705,"sentiment":"neutral","sentiment_score":0.04409211799502373},{"text":"Easy done.","start":1465.9501,"end":1466.8501,"sentiment":"positive","sentiment_score":0.5300115942955017},{"text":"So I will put together this bit of a plan.","start":1466.91,"end":1469.81,"sentiment":"neutral","sentiment_score":0.27967591434717176},{"text":"I'll get some alteration quotes for your insurance and a portfolio update.","start":1469.87,"end":1474.37,"sentiment":"neutral","sentiment_score":0.1844241830209891}],"sentiment":"neutral","sentiment_score":0.13738195818601823,"num_words":49,"start":1457.6849,"end":1474.37},{"sentences":[{"text":"From that point, once we've done the research and everything, the team will get you booked in to go through the updated document with me.","start":1475.15,"end":1482.0951,"sentiment":"neutral","sentiment_score":0.20804020822048186},{"text":"I know you're probably just, like, looking for that guidance, but I just wanna make sure that what we're doing makes sense and that you can kind of sign off on it if that makes sense.","start":1482.795,"end":1492.495,"sentiment":"neutral","sentiment_score":0.20067694493465954},{"text":"Absolutely.","start":1500.7201,"end":1501.2201,"sentiment":"neutral","sentiment_score":0.2513902187347412},{"text":"Absolutely.","start":1501.6001,"end":1502.1001,"sentiment":"positive","sentiment_score":0.3741316497325897},{"text":"Cool.","start":1503.8401,"end":1504.16,"sentiment":"positive","sentiment_score":0.4312793016433716}],"sentiment":"neutral","sentiment_score":0.21065900614485145,"num_words":64,"start":1475.15,"end":1504.16},{"sentences":[{"text":"So I'll go away and do that.","start":1504.16,"end":1505.685,"sentiment":"neutral","sentiment_score":0.2496044146163123},{"text":"Is there anything else in particular going on that you would like to talk about for this review?","start":1505.765,"end":1510.505,"sentiment":"neutral","sentiment_score":0.09196508820686075},{"text":"Mhmm.","start":1512.805,"end":1513.305,"sentiment":"neutral","sentiment_score":-0.06485243141651154},{"text":"Oh, yes.","start":1544.9299,"end":1545.57,"sentiment":"neutral","sentiment_score":0.030193882063031197},{"text":"That's a great question.","start":1545.57,"end":1546.61,"sentiment":"neutral","sentiment_score":0.28560350090265274}],"sentiment":"neutral","sentiment_score":0.14189224457368255,"num_words":32,"start":1504.16,"end":1546.61},{"sentences":[{"text":"So when it comes to personal income protection, they cover you for things usually outside of work because workers' compensation's for at work.","start":1546.61,"end":1555.75,"sentiment":"neutral","sentiment_score":0.01300218006413754},{"text":"And I think there is an expectation that the employer does have that in place, which in this case itself.","start":1556.205,"end":1561.505,"sentiment":"neutral","sentiment_score":0.0006266938522458077},{"text":"And then anything that happens outside of work, this can kick in.","start":1562.125,"end":1566.225,"sentiment":"neutral","sentiment_score":-0.029800336031864088},{"text":"I have seen scenarios where people get workers' compensation.","start":1566.365,"end":1569.72,"sentiment":"neutral","sentiment_score":-0.02527792648308807},{"text":"It ended after two years, and then their income protection clicked in on the back end of it as well.","start":1570.74,"end":1576.36,"sentiment":"neutral","sentiment_score":-0.015880652330815793}],"sentiment":"neutral","sentiment_score":-0.0070373142717428325,"num_words":84,"start":1546.61,"end":1576.36},{"sentences":[{"text":"Perfect.","start":1599.65,"end":1600.13,"sentiment":"neutral","sentiment_score":0.2814955711364746},{"text":"And, again, as always with these things, just double check with the accountant to make sure there's no rule where you have to put it in place or anything like that, but you do have that protection there as well.","start":1600.13,"end":1609.825,"sentiment":"neutral","sentiment_score":0.12127099521458148},{"text":"Perfect.","start":1612.6849,"end":1613.1649,"sentiment":"positive","sentiment_score":0.409259021282196},{"text":"So what I'll do is I'm going to shoot you through this annual review pack.","start":1613.1649,"end":1617.565,"sentiment":"neutral","sentiment_score":0.16892580886681874},{"text":"It's going to include an updated financial services guide with us, which is our license information and protection details.","start":1617.565,"end":1624.25,"sentiment":"neutral","sentiment_score":0.11419420806985152}],"sentiment":"neutral","sentiment_score":0.1348048879912025,"num_words":76,"start":1599.65,"end":1624.25},{"sentences":[{"text":"It will have your performance report, your certificate of currency for the insurance policy.","start":1625.11,"end":1630.49,"sentiment":"neutral","sentiment_score":0.07361685112118721},{"text":"If anything happens to you, we do do claims assistance.","start":1631.27,"end":1634.65,"sentiment":"neutral","sentiment_score":0.028227706626057624},{"text":"So let's say, god forbid, something did happen.","start":1635.1901,"end":1637.855,"sentiment":"neutral","sentiment_score":0.023775238398229703},{"text":"You not that we would wanna be the first person you talk to in a major event, but let us know, and we can help you through the claims process as well.","start":1637.855,"end":1646.355,"sentiment":"neutral","sentiment_score":0.09060388244688511},{"text":"Perfect.","start":1648.43,"end":1648.93,"sentiment":"positive","sentiment_score":0.5342248678207397}],"sentiment":"neutral","sentiment_score":0.07594867685021689,"num_words":65,"start":1625.11,"end":1648.93},{"sentences":[{"text":"We've got the ongoing service agreement that I've refreshed there as well.","start":1649.23,"end":1653.39,"sentiment":"neutral","sentiment_score":0.2692662049084902},{"text":"I wanted to ask you because your review was coming up in May, are you comfortable for us to put this plan in place and let it run for the next twelve months or so?","start":1653.39,"end":1664.105,"sentiment":"neutral","sentiment_score":0.05247509335832937},{"text":"How would you prefer that to work?","start":1664.325,"end":1666.025,"sentiment":"neutral","sentiment_score":0.08062910873975072},{"text":"Easy done.","start":1668.965,"end":1669.605,"sentiment":"positive","sentiment_score":0.3885258138179779},{"text":"So I'll shoot that through to you now.","start":1669.605,"end":1671.2849,"sentiment":"neutral","sentiment_score":0.18773172050714493}],"sentiment":"neutral","sentiment_score":0.12361143561429344,"num_words":64,"start":1649.23,"end":1671.2849},{"sentences":[{"text":"There's a couple of other little bibs and bobs there.","start":1671.2849,"end":1673.365,"sentiment":"neutral","sentiment_score":0.05212890096008778},{"text":"Just curiosity pieces about markets and stock markets and things like that.","start":1673.365,"end":1677.99,"sentiment":"neutral","sentiment_score":0.03585866636907061},{"text":"If you're curious, you can have a look, but, again, I'll put in place an updated plan anyway.","start":1677.99,"end":1683.6901,"sentiment":"neutral","sentiment_score":0.0770761857016219},{"text":"Awesome.","start":1686.9651,"end":1687.4651,"sentiment":"positive","sentiment_score":0.5050660967826843},{"text":"Kelly, do you have any questions for me at this point?","start":1687.685,"end":1689.865,"sentiment":"neutral","sentiment_score":0.11796399612318385}],"sentiment":"neutral","sentiment_score":0.07964681543839666,"num_words":52,"start":1671.2849,"end":1689.865},{"sentences":[{"text":"Amazing.","start":1694.405,"end":1694.905,"sentiment":"positive","sentiment_score":0.5035352110862732},{"text":"And, again, I've never seen the the other way around where the income protection covers someone for the work injuries.","start":1694.9651,"end":1701.86,"sentiment":"neutral","sentiment_score":0.05907312072813511},{"text":"I'm gonna find out, though, and ask around just in case, and I'll let you know.","start":1701.86,"end":1706.36,"sentiment":"neutral","sentiment_score":0.06633131531998515},{"text":"Yeah.","start":1719.475,"end":1719.975,"sentiment":"neutral","sentiment_score":-0.02351381815969944},{"text":"Yeah.","start":1733.49,"end":1733.99,"sentiment":"neutral","sentiment_score":0.014375967904925346}],"sentiment":"neutral","sentiment_score":0.07018361078240933,"num_words":39,"start":1694.405,"end":1733.99},{"sentences":[{"text":"Okay.","start":1737.0851,"end":1737.5851,"sentiment":"neutral","sentiment_score":0.09548421204090118},{"text":"Easy done.","start":1739.885,"end":1740.4451,"sentiment":"positive","sentiment_score":0.3730373978614807},{"text":"And what I'll do too is when we get that quote to trim down the income protection to the right amount, I will factor that into the projection for the super just to show you the difference that I'll make as well.","start":1740.4451,"end":1752.17,"sentiment":"neutral","sentiment_score":0.13743984504115014},{"text":"Cool.","start":1754.07,"end":1754.39,"sentiment":"neutral","sentiment_score":0.05018433555960655},{"text":"Kelly, last question I've got for you is there is a fourth type of policy.","start":1754.39,"end":1759.27,"sentiment":"neutral","sentiment_score":0.0015006473598380883}],"sentiment":"neutral","sentiment_score":0.109618467958186,"num_words":61,"start":1737.0851,"end":1759.27},{"sentences":[{"text":"And I know you were just saying you don't wanna get workers' compensation, but you don't have a trauma policy.","start":1759.27,"end":1766.305,"sentiment":"neutral","sentiment_score":-0.04174508787691593},{"text":"Do you remember what that one does?","start":1766.305,"end":1768.005,"sentiment":"neutral","sentiment_score":-0.011264269373246602},{"text":"So the quickest way I can explain it is you've got life insurance, you pass away, there's a lump sum.","start":1770.545,"end":1776.245,"sentiment":"neutral","sentiment_score":-0.09529692679643631},{"text":"Total disability is when you can never work again, there's a lump sum.","start":1776.87,"end":1780.97,"sentiment":"neutral","sentiment_score":-0.06544827068081269},{"text":"Temporary disability is your income protection.","start":1781.75,"end":1784.41,"sentiment":"neutral","sentiment_score":-0.05461691568295161}],"sentiment":"neutral","sentiment_score":-0.0605790786670916,"num_words":66,"start":1759.27,"end":1784.41},{"sentences":[{"text":"You're out of work for three months, six months, nine months, here's your income replacement.","start":1784.55,"end":1788.57,"sentiment":"neutral","sentiment_score":-0.02318404826025168},{"text":"Trauma is the fourth one where they say, okay.","start":1789.245,"end":1792.365,"sentiment":"neutral","sentiment_score":-0.03384457528591156},{"text":"You've been diagnosed with, like, a heart attack, stroke, cancer.","start":1792.365,"end":1796.545,"sentiment":"neutral","sentiment_score":-0.06787475571036339},{"text":"Maybe you're not fully disabled from it.","start":1796.925,"end":1799.165,"sentiment":"neutral","sentiment_score":-0.07263926044106483},{"text":"Maybe you've gone back to work the next week after having a heart attack.","start":1799.165,"end":1801.965,"sentiment":"neutral","sentiment_score":-0.06409398413130216}],"sentiment":"neutral","sentiment_score":-0.04976181926375085,"num_words":55,"start":1784.55,"end":1801.965},{"sentences":[{"text":"It happens.","start":1801.965,"end":1802.705,"sentiment":"neutral","sentiment_score":-0.01291835866868496},{"text":"But there's a lump sum to cover medical costs or staying home and, you know, your partner being able to look after you for twelve months, that kind of thing.","start":1803.1,"end":1811.2,"sentiment":"neutral","sentiment_score":-0.01093145397802194},{"text":"But you can only pay for that one out of pocket.","start":1811.4199,"end":1814.5599,"sentiment":"neutral","sentiment_score":-0.15144139968536116},{"text":"So I do have to ask the question if you wanted me to get a quote for that or if you would prefer just the three that you've got.","start":1814.7,"end":1821.0549,"sentiment":"neutral","sentiment_score":-0.039540542482302106},{"text":"Mhmm.","start":1825.4349,"end":1825.9149,"sentiment":"neutral","sentiment_score":-0.03186247497797012}],"sentiment":"neutral","sentiment_score":-0.043810601920297704,"num_words":73,"start":1801.965,"end":1825.9149},{"sentences":[{"text":"No.","start":1825.9149,"end":1826.1549,"sentiment":"neutral","sentiment_score":-0.11479762196540833},{"text":"That's totally fine.","start":1826.1549,"end":1826.955,"sentiment":"neutral","sentiment_score":-0.07057803496718407},{"text":"It's just one of those there's a risk there because that's something that's not covered.","start":1826.955,"end":1831.135,"sentiment":"neutral","sentiment_score":-0.18668291270732879},{"text":"I just wanted to let you know that it's an option.","start":1831.2749,"end":1833.5349,"sentiment":"neutral","sentiment_score":0.07928500324487686},{"text":"Easy done.","start":1839.42,"end":1839.9,"sentiment":"neutral","sentiment_score":0.1506211943924427}],"sentiment":"neutral","sentiment_score":-0.0610436872811988,"num_words":32,"start":1825.9149,"end":1839.9},{"sentences":[{"text":"And when we go through that advice document, if you're curious and wanna get a quote afterwards or even next year, we can always do that for you.","start":1839.9,"end":1846.695,"sentiment":"neutral","sentiment_score":0.17529885577304022},{"text":"Perfect.","start":1848.615,"end":1849.115,"sentiment":"positive","sentiment_score":0.4728721976280213},{"text":"Now, Kelly, that email is through to you now.","start":1849.1749,"end":1852.2949,"sentiment":"neutral","sentiment_score":0.2017954256799486},{"text":"I'm just gonna double check that's going through to your Gmail.","start":1852.2949,"end":1855.0349,"sentiment":"neutral","sentiment_score":0.1400419311089949},{"text":"Now when it comes through for the system that we're currently using, we're using something called OdooSign, which we've purpose built for Oakview.","start":1858.5349,"end":1866.88,"sentiment":"neutral","sentiment_score":0.1235664950116821}],"sentiment":"neutral","sentiment_score":0.16083180024805996,"num_words":72,"start":1839.9,"end":1866.88},{"sentences":[{"text":"And it allows you, like, an email to view the attachments just like any other email, but there's also a link for the digital signing as well.","start":1867.5,"end":1876.035,"sentiment":"neutral","sentiment_score":0.1711848074639285},{"text":"So I just wanna let you know it's separate.","start":1876.035,"end":1877.655,"sentiment":"neutral","sentiment_score":0.11957568344142702},{"text":"You've got attachments, and then you've got a signing link as well.","start":1877.715,"end":1880.855,"sentiment":"positive","sentiment_score":0.3629610625406106},{"text":"Now just bear in mind that it can sometimes take up to nine minutes, I've found.","start":1882.275,"end":1888.535,"sentiment":"neutral","sentiment_score":0.024073585867881775},{"text":"So I'll let that come through in its own time.","start":1888.755,"end":1892.34,"sentiment":"neutral","sentiment_score":0.1644677087664604}],"sentiment":"neutral","sentiment_score":0.16329132654779666,"num_words":74,"start":1867.5,"end":1892.34},{"sentences":[{"text":"With our service agreement, so, again, our fees that we charge through the super, that's 1.65%, and that's capped when you get to 600,000 because, obviously, clients with a million, $2,000,000, you can't charge $3,040,000 for the same service.","start":1893.36,"end":1908.885,"sentiment":"neutral","sentiment_score":0.12248227305901356},{"text":"We're good at what we do, but we do put caps on the fees as well.","start":1908.945,"end":1912.245,"sentiment":"neutral","sentiment_score":0.18610809510573745},{"text":"Awesome.","start":1914.065,"end":1914.565,"sentiment":"positive","sentiment_score":0.5414977669715881},{"text":"If at any point you do have any other types of accounts, investment accounts, pension accounts later down the road, Hub twenty four lets you link them to reduce the fees as well.","start":1915.265,"end":1927.03,"sentiment":"neutral","sentiment_score":0.23179159832723212},{"text":"Cool.","start":1928.865,"end":1929.365,"sentiment":"positive","sentiment_score":0.47830671072006226}],"sentiment":"neutral","sentiment_score":0.18248294881648489,"num_words":90,"start":1893.36,"end":1929.365},{"sentences":[{"text":"Is there anything else that we need to look at for you over the next few years?","start":1929.665,"end":1932.625,"sentiment":"neutral","sentiment_score":0.2240152797278236},{"text":"Because I know you're focusing so much on the business and paying down the mortgage.","start":1932.625,"end":1935.925,"sentiment":"neutral","sentiment_score":0.07969399591286977},{"text":"Are you looking to get other properties, do some investing, anything I need to note down?","start":1936.625,"end":1941.18,"sentiment":"neutral","sentiment_score":0.0282893500989303},{"text":"Perfect.","start":1958.6349,"end":1959.115,"sentiment":"positive","sentiment_score":0.5430039167404175},{"text":"So if you're okay for me to put this down then, I'll say the priority for the next few years is to pay off the mortgage.","start":1959.115,"end":1964.735,"sentiment":"neutral","sentiment_score":0.10935530424691163}],"sentiment":"neutral","sentiment_score":0.1179005483041207,"num_words":75,"start":1929.665,"end":1964.735},{"sentences":[{"text":"We will look at the superannuation based on just what you're putting in through the employer contributions.","start":1964.955,"end":1970.12,"sentiment":"neutral","sentiment_score":0.09348655601634699},{"text":"We won't look at any salary sacrifice or additional ones.","start":1970.5801,"end":1974.2001,"sentiment":"neutral","sentiment_score":-0.022933325637131928},{"text":"And then once the mortgage is done, we can look at super, investing, anything you might wanna do after that.","start":1974.5,"end":1979.9601,"sentiment":"neutral","sentiment_score":0.05529894987121224},{"text":"Perfect.","start":1982.675,"end":1983.155,"sentiment":"positive","sentiment_score":0.7033618688583374},{"text":"Alrighty.","start":1983.155,"end":1983.635,"sentiment":"positive","sentiment_score":0.5763829350471497}],"sentiment":"neutral","sentiment_score":0.07644208157625125,"num_words":49,"start":1964.955,"end":1983.635},{"sentences":[{"text":"That's pretty much everything for me.","start":1983.635,"end":1985.155,"sentiment":"positive","sentiment_score":0.6085610389709473},{"text":"Any questions, Kelly?","start":1985.155,"end":1986.2151,"sentiment":"neutral","sentiment_score":0.2324394186337789},{"text":"Amazing.","start":1990.355,"end":1990.755,"sentiment":"positive","sentiment_score":0.5190350413322449},{"text":"Amazing.","start":1990.755,"end":1991.235,"sentiment":"positive","sentiment_score":0.6351410746574402},{"text":"Thank you so much for your time today.","start":1991.235,"end":1992.93,"sentiment":"positive","sentiment_score":0.7743324190378189}],"sentiment":"positive","sentiment_score":0.6156589451589083,"num_words":19,"start":1983.635,"end":1992.93},{"sentences":[{"text":"If you have any trouble with that Odoo email, please just give us a call, and the team will help you through.","start":1993.01,"end":1998.7101,"sentiment":"neutral","sentiment_score":0.2706235166300427},{"text":"You're most welcome, and I will talk to you in a few weeks.","start":2001.7109,"end":2004.931,"sentiment":"positive","sentiment_score":0.5408697655567756},{"text":"Thanks, Kelly.","start":2006.991,"end":2007.791,"sentiment":"positive","sentiment_score":0.6044946312904358},{"text":"Bye.","start":2007.791,"end":2008.291,"sentiment":"positive","sentiment_score":0.3730646073818207}],"sentiment":"positive","sentiment_score":0.3833441628437293,"num_words":38,"start":1993.01,"end":2008.291}]}}]},{"alternatives":[{"transcript":"Oh, good. Thank you. I'm so sorry I just missed you. Of course. Oh, no. I was on the other phone, so I was trying to get off one and get on the other. So, yes, all good. One of those days. Yeah. Thank you for accommodating that. Yeah. Cool. Yep. Of course. Like, I'm free now till three. My next meeting starts at three. That's why I thought bumping it forward would be better. No. I didn't have any inquiries. Someone just called me last week and said I needed to book in a, like, a review or a check check-in on how things are traveling. Yes. Something like that. Yeah. Okay. Oh, man. Isn't it? Yes. Of course. Yes. Yep. Of course. Yeah. Sure. Mhmm. Sure. Yes. Brilliant. Good timing. Yeah. I have changed from a sole trader to a company, Proprietary Limited now, so that's probably the only change with me on my side. Correct. Yes. That's correct. Yep. And I've only started my company two weeks ago, so it's all very new. Yeah. Yep. No. So that's who I was contracting to as a sole trader. So my company is called Inner Growth with Kelly, and that my accountant sent my first contribution through yesterday. Yeah. Yeah. Good. I'm sorry. You're cutting you're cutting out there. I'm just gonna get out of my office because I think it's me. I'm sorry. Can you repeat that? Yep. It's much the same. Yes. Absolutely. Yeah. I'm just trying to build that company growth and revisit it maybe in twelve months. So it's my wages will be about 150, and, yeah, we'll see where we're at next year. Absolutely. I branched out a little bit, but majority majority of the the work is with MindMate still. I'm just looking at other like, I do clinical supervision with other providers in the area, so that's something that'll be starting up in the next couple of weeks as well. Absolutely. Yep. Yes. Correct. Yeah. I kind of I just like, this week's topsy-turvy, and last fortnight was as well. It really just depends on the clients. But I work a lot in the prisons and APU, so it's never really a dull moment if that makes sense. So it might be some weeks I work fifty hours, and the next week I might work twenty. Like, it it just depends on what's happening. It's hard to say. And and then I could work a weekend and have a few weekdays off. It just depends when the work is and where the hysteria is, basically. Absolutely. Indeed. Yep. Correct. Yep. Yep. Mhmm. Yep. I think we're down to, gosh, just over 100,000 now. Maybe, like, $1.12. And the house has probably increased in value to about 900 and maybe $9.50. Mhmm. Oh, I got rid of the j eight, and I got a different car. So I don't have that anymore. Purchased. Yeah. Straight out purchased. Maybe, like, 67,000. It's secondhand, but it's new to us. So, yeah, it's a Mercedes GLE three fifty d. Oh, no worries. Sure thing. Yeah. It was yep. No. I wish. No. Just like normal household assets like computers, iPads, like TVs everywhere. Yeah. The usual, I think. Like, I don't know what's out of the ordinary that I could maybe mention, but, no, I think that's it. I think everything's just normal. Oh, no. No. Nothing like that. Gosh. No. No. I wouldn't I don't even know what that is. That's why I was yeah. Yep. Uh-huh. Yeah. So, like, do you mean what I'm paying myself or the business? Sure. Sure. Yep. Oh, absolutely. Yeah. We just throw it all into the mortgage, though. And if it's we need to redraw, we can. So I think at this moment, we're putting a a month, like, an extra five thousand dollars into the mortgage. We try not to touch it because we really wanna pay that off in the next two to three years. Yeah. And then there's always money left over at the end of the fortnight, and we just let it sit in the savings account and build up. And then when something big needs to be paid for, we know we've got the money there to kind of use. Yep. Indeed. Exactly. Yes. So I have an appointment with a lawyer next month, and Jaden and I are gonna go and get our wheels done when he because he's off to Kathmandu next week for a month. So when he's back we probably should have done it before he went on the trek, but never mind. It is what it is. And, yeah, when he's back, we're gonna go and take care of that. Yes. Indeed. Mhmm. Perfect. Yep. That's great. Oh, no. He's 27. Yep. Oh, sure. Okay. Alright. Okay. Good to know. Yep. Yep. Sure thing. Yes. Mhmm. Right. Mhmm. Yep. I think that's a good situation. Like, I wouldn't want it to be any less. That's for sure. I wanna make sure Corey could just with the world at the minute, like, that he was financially stable and getting on his feet. Is it normal yeah. I think so. Is it normal for people to maybe go a little bit higher, or is that, like, the baseline, or what I don't really know too much about life insurance, to be honest. Oh, okay. Sure. Got it. Sure. Sure. Okay. That makes that's okay then. We'll leave it as is, I suppose. Yep. Okay. Oh, good. Okay. Great. Yes. Right. Okay. Yep. Sure. Oh, wow. So a lot more than what I'm kind of earning. Yeah. Uh-huh. Right. Oh, okay. Yep. Okay. Alright. Well, that's good to know. That's kinda reassuring. Yep. Okay. Yep. Okay. Sure. Yes. Okeydoke. Okay. Got it. Yeah. Yeah. No. Definitely. Mhmm. Uh-huh. Yeah. Yeah. Yep. Oh, that's good. Okay. Yep. Yep. Okay. Yep. Yeah. Yes. Got it. Yes. Yes. Got it. Yes. Yep. Right. Yes. Yep. So does so does. Good. Yep. Okay. Yep. Got it. Yep. Got it. Yeah. These things are expected. I understand. Yes. Right. Okay. Mhmm. Mhmm. Yep. Mhmm. Got it. Yeah. Yep. Would you I mean, I just kinda follow your guys' flow. So if you think that I need to not be so high risk, I'm just gonna let you guys guide me. You are the experts in all of this. Yeah. I think while I'm still young, it's probably best well, young ish to stay a bit high risk. Would you agree? Yeah. Yes. Sure. Yes. Oh, I know. My mom does that. Oh gosh. Yeah. Yep. Yep. For sure. Yeah. No. Whatever. I really I get this I get the world and the way these things work and function, so I try not to invest any emotions into the big hits. It's not worth it. Mhmm. Yep. Yep. Okay. Yep. Sure. Yep. Sure. Okay. Yep. Mhmm. Sure. So if I was to pay more fees to get a higher return, probably that one. Oh, so I have low fees as well as a higher return? So I I think I don't understand. So pay low fees to get a high return or high fees to get a high return. Is that what you said? Mhmm. Mhmm. Sure. Oh my god. I don't know. What do you suggest? I actually don't know. Yeah. I think to keep it and, yeah, like you said, find a different fund manager maybe. I I yeah. I mean, I feel like that's if I say the lower the lower funds I don't know. Like, I really don't know. Maybe just stick it stick to wait the way it is. I think that's the best bet because I haven't had any issues, I suppose. What what what's not broken yet? Right. Oh, gosh. I wouldn't I I haven't really I couldn't. I don't wanna sound disrespectful or anything, but I I don't care. So I just like it's really yeah. It's what it is what it is. If you I I'm happy to be kinda led around by you guys with what you guys think is the best option for me. I I don't I'm one of those people that just does not pay attention to what I cannot control. So, yeah, that that's kinda my motto. Exactly. Yeah. Sure. Awesome. Okay. Thank you. Sure. Sounds good. I mean, you always get what you pay for at the end of the day, what what I say. So if I'm spending a bit more money yeah. I don't know. It just seems a bit more reassuring. I don't know. I haven't had any issues, so why change what's not broken? So, yes, go for it. Yep. Yep. Got it. Got it. Of course. Yeah. Makes sense. Thank you. Yep. Yeah. I appreciate that. Yeah. No. That's good. It's good to have these chats, fluid chats about it's it's very educational for me, but I also it blows my mind as well. So yeah. No. It's yeah. Thank you. Well, I have a question, and it's just because it's popped up in the last few few weeks with my business insurance. Obviously, I've gotta have, you know, PIPL insurances, But something that's come up is workers' compensation insurance. And I wondered if that would somehow I don't wanna double up on insurances of for obvious reasons. They're very expensive. But is it something that's covered in one of the insurances I have at the moment? Or is because or is it just, like, kind of a separate thing because I'm a company now? Yep. Work. Yeah. Correct. Of course. Yep. Yep. Yep. Got it. Yes. And I think I I've just answered my own question really because I work for myself. If something was to happen, god forbid, touch wood, at work, my income protection would cover me. I don't think I need to get workers' comp until I have employees, which I don't have right now. So that answered that question in my brain now. Got it. Yep. Great. Yep. Brilliant. That sounds good. Thank you. Mhmm. Mhmm. Okay. Great. Sounds good. Yeah. Sure. Yeah. No. That's fine. That's not a drama at all. Mhmm. Yep. Yep. Alright. Sounds wonderful. Thank you. Nope. That's it. Thank you. I just had that workers' comp question. That's great. Yes. Yep. Sure. Yeah. Yeah. No stress at all. Yeah. Just something that keeps popping up, like, with my insurance broker and my accountant. They're asking lots of questions about it's always coming back to the workers' comp because I'm in that high risk industry. But I also think because I'm the director of the company and I'm my only employee, if anything was to happen, it would be it it would be more if I had employees that I think the workers' comp is imperative. But at this point, I'm not too fussed about it. But, yeah, if you have a conversation, sounds good. Yep. Mhmm. K. Great. Sounds good. No. Mhmm. Mhmm. Yes. Mhmm. Uh-huh. So yes. I think I'll stick with the three I've got. I've come this far without it. Yep. So yeah. No. I think I'll think about it, though, but I think at this stage, it's not really necessary. Sure. Sounds good. Yep. I'll just jump on and have a quick look if you like. Mhmm. Yep. Okay. Great. Yep. Sure. Hasn't come through yet, but I'm sure it's not far away. Oh, no worries. That's fine. Yeah. Sure. Mhmm. Yep. Yep. Sure. Sure. Okay. Great. Not at not for the next couple of years. We'll we'll review what maybe in two. We just wanna smash the mortgage and then definitely look at what our options are with with our leftover money if we won't have a mortgage anymore. So, you know, we definitely wanna invest it in something, but we're just not sure what that would look like yet. Yeah. Yeah. Yep. Mhmm. Yep. Sounds perfect. All good. No. Not not not anymore. Awesome. Thank you so much. Sounds good. Talk to you then. Okay. See you. Bye 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good. Thank you. I'm so sorry I just missed you. Of course. Oh, no.\n\nI was on the other phone, so I was trying to get off one and get on the other. So, yes, all good. One of those days. Yeah. Thank you for accommodating that.\n\nYeah. Cool. Yep. Of course. Like, I'm free now till three.\n\nMy next meeting starts at three. That's why I thought bumping it forward would be better. No. I didn't have any inquiries. Someone just called me last week and said I needed to book in a, like, a review or a check check-in on how things are traveling.\n\nYes. Something like that. Yeah. Okay. Oh, man.\n\nIsn't it? Yes. Of course. Yes. Yep.\n\nOf course. Yeah. Sure. Mhmm. Sure.\n\nYes. Brilliant. Good timing. Yeah. I have changed from a sole trader to a company, Proprietary Limited now, so that's probably the only change with me on my side.\n\nCorrect. Yes. That's correct. Yep. And I've only started my company two weeks ago, so it's all very new.\n\nYeah. Yep. No. So that's who I was contracting to as a sole trader. So my company is called Inner Growth with Kelly, and that my accountant sent my first contribution through yesterday.\n\nYeah. Yeah. Good. I'm sorry. You're cutting you're cutting out there.\n\nI'm just gonna get out of my office because I think it's me. I'm sorry. Can you repeat that? Yep. It's much the same.\n\nYes. Absolutely. Yeah. I'm just trying to build that company growth and revisit it maybe in twelve months. So it's my wages will be about 150, and, yeah, we'll see where we're at next year.\n\nAbsolutely. I branched out a little bit, but majority majority of the the work is with MindMate still. I'm just looking at other like, I do clinical supervision with other providers in the area, so that's something that'll be starting up in the next couple of weeks as well. Absolutely. Yep.\n\nYes. Correct. Yeah. I kind of I just like, this week's topsy-turvy, and last fortnight was as well. It really just depends on the clients.\n\nBut I work a lot in the prisons and APU, so it's never really a dull moment if that makes sense. So it might be some weeks I work fifty hours, and the next week I might work twenty. Like, it it just depends on what's happening. It's hard to say. And and then I could work a weekend and have a few weekdays off.\n\nIt just depends when the work is and where the hysteria is, basically. Absolutely. Indeed. Yep. Correct.\n\nYep. Yep. Mhmm. Yep. I think we're down to, gosh, just over 100,000 now.\n\nMaybe, like, $1.12. And the house has probably increased in value to about 900 and maybe $9.50. Mhmm. Oh, I got rid of the j eight, and I got a different car. So I don't have that anymore.\n\nPurchased. Yeah. Straight out purchased. Maybe, like, 67,000. It's secondhand, but it's new to us.\n\nSo, yeah, it's a Mercedes GLE three fifty d. Oh, no worries. Sure thing. Yeah. It was yep.\n\nNo. I wish. No. Just like normal household assets like computers, iPads, like TVs everywhere. Yeah.\n\nThe usual, I think. Like, I don't know what's out of the ordinary that I could maybe mention, but, no, I think that's it. I think everything's just normal. Oh, no. No.\n\nNothing like that. Gosh. No. No. I wouldn't I don't even know what that is.\n\nThat's why I was yeah. Yep. Uh-huh. Yeah. So, like, do you mean what I'm paying myself or the business?\n\nSure. Sure. Yep. Oh, absolutely. Yeah.\n\nWe just throw it all into the mortgage, though. And if it's we need to redraw, we can. So I think at this moment, we're putting a a month, like, an extra five thousand dollars into the mortgage. We try not to touch it because we really wanna pay that off in the next two to three years. Yeah.\n\nAnd then there's always money left over at the end of the fortnight, and we just let it sit in the savings account and build up. And then when something big needs to be paid for, we know we've got the money there to kind of use. Yep. Indeed. Exactly.\n\nYes. So I have an appointment with a lawyer next month, and Jaden and I are gonna go and get our wheels done when he because he's off to Kathmandu next week for a month. So when he's back we probably should have done it before he went on the trek, but never mind. It is what it is. And, yeah, when he's back, we're gonna go and take care of that.\n\nYes. Indeed. Mhmm. Perfect. Yep.\n\nThat's great. Oh, no. He's 27. Yep. Oh, sure.\n\nOkay. Alright. Okay. Good to know. Yep.\n\nYep. Sure thing. Yes. Mhmm. Right.\n\nMhmm. Yep. I think that's a good situation. Like, I wouldn't want it to be any less. That's for sure.\n\nI wanna make sure Corey could just with the world at the minute, like, that he was financially stable and getting on his feet. Is it normal yeah. I think so. Is it normal for people to maybe go a little bit higher, or is that, like, the baseline, or what I don't really know too much about life insurance, to be honest. Oh, okay.\n\nSure. Got it. Sure. Sure. Okay.\n\nThat makes that's okay then. We'll leave it as is, I suppose. Yep. Okay. Oh, good.\n\nOkay. Great. Yes. Right. Okay.\n\nYep. Sure. Oh, wow. So a lot more than what I'm kind of earning. Yeah.\n\nUh-huh. Right. Oh, okay. Yep. Okay.\n\nAlright. Well, that's good to know. That's kinda reassuring. Yep. Okay.\n\nYep. Okay. Sure. Yes. Okeydoke.\n\nOkay. Got it. Yeah. Yeah. No.\n\nDefinitely. Mhmm. Uh-huh. Yeah. Yeah.\n\nYep. Oh, that's good. Okay. Yep. Yep.\n\nOkay. Yep. Yeah. Yes. Got it.\n\nYes. Yes. Got it. Yes. Yep.\n\nRight. Yes. Yep. So does so does. Good.\n\nYep. Okay. Yep. Got it. Yep.\n\nGot it. Yeah. These things are expected. I understand. Yes.\n\nRight. Okay. Mhmm. Mhmm. Yep.\n\nMhmm. Got it. Yeah. Yep. Would you I mean, I just kinda follow your guys' flow.\n\nSo if you think that I need to not be so high risk, I'm just gonna let you guys guide me. You are the experts in all of this. Yeah. I think while I'm still young, it's probably best well, young ish to stay a bit high risk. Would you agree?\n\nYeah. Yes. Sure. Yes. Oh, I know.\n\nMy mom does that. Oh gosh. Yeah. Yep. Yep.\n\nFor sure. Yeah. No. Whatever. I really I get this I get the world and the way these things work and function, so I try not to invest any emotions into the big hits.\n\nIt's not worth it. Mhmm. Yep. Yep. Okay.\n\nYep. Sure. Yep. Sure. Okay.\n\nYep. Mhmm. Sure. So if I was to pay more fees to get a higher return, probably that one. Oh, so I have low fees as well as a higher return?\n\nSo I I think I don't understand. So pay low fees to get a high return or high fees to get a high return. Is that what you said? Mhmm. Mhmm.\n\nSure. Oh my god. I don't know. What do you suggest? I actually don't know.\n\nYeah. I think to keep it and, yeah, like you said, find a different fund manager maybe. I I yeah. I mean, I feel like that's if I say the lower the lower funds I don't know. Like, I really don't know.\n\nMaybe just stick it stick to wait the way it is. I think that's the best bet because I haven't had any issues, I suppose. What what what's not broken yet? Right. Oh, gosh.\n\nI wouldn't I I haven't really I couldn't. I don't wanna sound disrespectful or anything, but I I don't care. So I just like it's really yeah. It's what it is what it is. If you I I'm happy to be kinda led around by you guys with what you guys think is the best option for me.\n\nI I don't I'm one of those people that just does not pay attention to what I cannot control. So, yeah, that that's kinda my motto. Exactly. Yeah. Sure.\n\nAwesome. Okay. Thank you. Sure. Sounds good.\n\nI mean, you always get what you pay for at the end of the day, what what I say. So if I'm spending a bit more money yeah. I don't know. It just seems a bit more reassuring. I don't know.\n\nI haven't had any issues, so why change what's not broken? So, yes, go for it. Yep. Yep. Got it.\n\nGot it. Of course. Yeah. Makes sense. Thank you.\n\nYep. Yeah. I appreciate that. Yeah. No.\n\nThat's good. It's good to have these chats, fluid chats about it's it's very educational for me, but I also it blows my mind as well. So yeah. No. It's yeah.\n\nThank you. Well, I have a question, and it's just because it's popped up in the last few few weeks with my business insurance. Obviously, I've gotta have, you know, PIPL insurances, But something that's come up is workers' compensation insurance. And I wondered if that would somehow I don't wanna double up on insurances of for obvious reasons. They're very expensive.\n\nBut is it something that's covered in one of the insurances I have at the moment? Or is because or is it just, like, kind of a separate thing because I'm a company now? Yep. Work. Yeah.\n\nCorrect. Of course. Yep. Yep. Yep.\n\nGot it. Yes. And I think I I've just answered my own question really because I work for myself. If something was to happen, god forbid, touch wood, at work, my income protection would cover me. I don't think I need to get workers' comp until I have employees, which I don't have right now.\n\nSo that answered that question in my brain now. Got it. Yep. Great. Yep.\n\nBrilliant. That sounds good. Thank you. Mhmm. Mhmm.\n\nOkay. Great. Sounds good. Yeah. Sure.\n\nYeah. No. That's fine. That's not a drama at all. Mhmm.\n\nYep. Yep. Alright. Sounds wonderful. Thank you.\n\nNope. That's it. Thank you. I just had that workers' comp question. That's great.\n\nYes. Yep. Sure. Yeah. Yeah.\n\nNo stress at all. Yeah. Just something that keeps popping up, like, with my insurance broker and my accountant. They're asking lots of questions about it's always coming back to the workers' comp because I'm in that high risk industry. But I also think because I'm the director of the company and I'm my only employee, if anything was to happen, it would be it it would be more if I had employees that I think the workers' comp is imperative.\n\nBut at this point, I'm not too fussed about it. But, yeah, if you have a conversation, sounds good. Yep. Mhmm. K.\n\nGreat. Sounds good. No. Mhmm. Mhmm.\n\nYes. Mhmm. Uh-huh. So yes. I think I'll stick with the three I've got.\n\nI've come this far without it. Yep. So yeah. No. I think I'll think about it, though, but I think at this stage, it's not really necessary.\n\nSure. Sounds good. Yep. I'll just jump on and have a quick look if you like. Mhmm.\n\nYep. Okay. Great. Yep. Sure.\n\nHasn't come through yet, but I'm sure it's not far away. Oh, no worries. That's fine. Yeah. Sure.\n\nMhmm. Yep. Yep. Sure. Sure.\n\nOkay. Great. Not at not for the next couple of years. We'll we'll review what maybe in two. We just wanna smash the mortgage and then definitely look at what our options are with with our leftover money if we won't have a mortgage anymore.\n\nSo, you know, we definitely wanna invest it in something, but we're just not sure what that would look like yet. Yeah. Yeah. Yep. Mhmm.\n\nYep. Sounds perfect. All good. No. Not not not anymore.\n\nAwesome. Thank you so much. Sounds good. Talk to you then. Okay.\n\nSee you. Bye bye.","paragraphs":[{"sentences":[{"text":"Oh, good.","start":5.52,"end":6.0,"sentiment":"positive","sentiment_score":0.38941246271133423},{"text":"Thank you.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.48597729206085205},{"text":"I'm so sorry I just missed you.","start":6.48,"end":11.36,"sentiment":"neutral","sentiment_score":0.027940931064741954},{"text":"Of course.","start":12.08,"end":12.795,"sentiment":"neutral","sentiment_score":0.07807407341897488},{"text":"Oh, no.","start":13.3550005,"end":13.935,"sentiment":"neutral","sentiment_score":0.045792095363140106}],"sentiment":"neutral","sentiment_score":0.14627322430411974,"num_words":15,"start":5.52,"end":13.935},{"sentences":[{"text":"I was on the other phone, so I was trying to get off one and get on the other.","start":14.235,"end":17.915,"sentiment":"neutral","sentiment_score":0.025418119112911978},{"text":"So, yes, all good.","start":17.915,"end":19.215,"sentiment":"positive","sentiment_score":0.3390408232808113},{"text":"One of those days.","start":22.235,"end":23.455,"sentiment":"neutral","sentiment_score":0.00829277466982603},{"text":"Yeah.","start":25.675,"end":26.075,"sentiment":"neutral","sentiment_score":0.06756716966629028},{"text":"Thank you for accommodating that.","start":26.075,"end":27.994999,"sentiment":"positive","sentiment_score":0.4107047438621521}],"sentiment":"neutral","sentiment_score":0.12101119830075538,"num_words":33,"start":14.235,"end":27.994999},{"sentences":[{"text":"Yeah.","start":27.994999,"end":28.494999,"sentiment":"neutral","sentiment_score":0.17687369883060455},{"text":"Cool.","start":30.01,"end":30.51,"sentiment":"neutral","sentiment_score":0.1683295965194702},{"text":"Yep.","start":44.255,"end":44.735,"sentiment":"neutral","sentiment_score":0.031188007444143295},{"text":"Of 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traveling.","start":67.55,"end":74.805,"sentiment":"neutral","sentiment_score":-0.06018440439724005}],"sentiment":"neutral","sentiment_score":-0.039476461436909936,"num_words":48,"start":48.575,"end":74.805},{"sentences":[{"text":"Yes.","start":77.825,"end":78.225,"sentiment":"neutral","sentiment_score":0.005904463119804859},{"text":"Something like that.","start":78.225,"end":79.104996,"sentiment":"neutral","sentiment_score":-0.007199065759778023},{"text":"Yeah.","start":79.104996,"end":79.604996,"sentiment":"neutral","sentiment_score":-0.004145074635744095},{"text":"Okay.","start":89.68,"end":90.18,"sentiment":"neutral","sentiment_score":-0.04097788780927658},{"text":"Oh, man.","start":93.920006,"end":94.64,"sentiment":"neutral","sentiment_score":-0.061378344893455505}],"sentiment":"neutral","sentiment_score":-0.022946548298932612,"num_words":8,"start":77.825,"end":94.64},{"sentences":[{"text":"Isn't 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timing.","start":136.59,"end":137.39,"sentiment":"positive","sentiment_score":0.38884255290031433},{"text":"Yeah.","start":137.39,"end":137.89,"sentiment":"neutral","sentiment_score":0.17415142059326172},{"text":"I have changed from a sole trader to a company, Proprietary Limited now, so that's probably the only change with me on my side.","start":139.15,"end":149.25,"sentiment":"neutral","sentiment_score":0.013461572583764791}],"sentiment":"neutral","sentiment_score":0.06789394712139821,"num_words":29,"start":135.555,"end":149.25},{"sentences":[{"text":"Correct.","start":156.575,"end":157.075,"sentiment":"neutral","sentiment_score":0.055422343313694},{"text":"Yes.","start":157.215,"end":157.715,"sentiment":"neutral","sentiment_score":0.13512714207172394},{"text":"That's correct.","start":177.285,"end":178.08499,"sentiment":"neutral","sentiment_score":0.015848091803491116},{"text":"Yep.","start":178.08499,"end":178.58499,"sentiment":"neutral","sentiment_score":-0.0012188603868708014},{"text":"And I've only started my company two weeks ago, so it's all very new.","start":178.885,"end":183.385,"sentiment":"neutral","sentiment_score":-0.0433037206530571}],"sentiment":"neutral","sentiment_score":-0.020275014765119476,"num_words":19,"start":156.575,"end":183.385},{"sentences":[{"text":"Yeah.","start":185.285,"end":185.765,"sentiment":"neutral","sentiment_score":0.020635927096009254},{"text":"Yep.","start":185.765,"end":186.265,"sentiment":"neutral","sentiment_score":0.016077496111392975},{"text":"No.","start":188.08499,"end":188.485,"sentiment":"neutral","sentiment_score":-0.09052301943302156},{"text":"So that's who I was contracting to as a sole trader.","start":188.485,"end":191.625,"sentiment":"neutral","sentiment_score":-0.06607647375626997},{"text":"So my company is called Inner Growth with Kelly, and that my accountant sent my first contribution through yesterday.","start":192.12001,"end":201.82,"sentiment":"neutral","sentiment_score":0.039225354104449876}],"sentiment":"neutral","sentiment_score":-0.001071790289698225,"num_words":33,"start":185.285,"end":201.82},{"sentences":[{"text":"Yeah.","start":204.04001,"end":204.54001,"sentiment":"neutral","sentiment_score":0.08131131529808044},{"text":"Yeah.","start":205.88,"end":206.235,"sentiment":"neutral","sentiment_score":0.07163609564304352},{"text":"Good.","start":218.955,"end":219.455,"sentiment":"neutral","sentiment_score":0.212188258767128},{"text":"I'm sorry.","start":228.82,"end":229.48001,"sentiment":"neutral","sentiment_score":-0.19446107745170593},{"text":"You're cutting you're cutting out there.","start":229.78,"end":231.22,"sentiment":"negative","sentiment_score":-0.4372195502122243}],"sentiment":"neutral","sentiment_score":-0.24064579876986417,"num_words":11,"start":204.04001,"end":231.22},{"sentences":[{"text":"I'm just gonna get out of my office because I think it's me.","start":231.22,"end":233.78,"sentiment":"neutral","sentiment_score":-0.10568901839164588},{"text":"I'm sorry.","start":233.78,"end":234.26001,"sentiment":"neutral","sentiment_score":-0.08398500457406044},{"text":"Can you repeat that?","start":234.26001,"end":235.455,"sentiment":"neutral","sentiment_score":-0.06344910524785519},{"text":"Yep.","start":240.575,"end":241.075,"sentiment":"neutral","sentiment_score":0.011050792410969734},{"text":"It's much the same.","start":242.495,"end":243.795,"sentiment":"neutral","sentiment_score":0.08284019958227873}],"sentiment":"neutral","sentiment_score":-0.06055466993711889,"num_words":24,"start":231.22,"end":243.795},{"sentences":[{"text":"Yes.","start":248.4,"end":248.88,"sentiment":"neutral","sentiment_score":0.21304911375045776},{"text":"Absolutely.","start":248.88,"end":249.38,"sentiment":"positive","sentiment_score":0.35639554262161255},{"text":"Yeah.","start":249.52,"end":249.76,"sentiment":"neutral","sentiment_score":0.242903470993042},{"text":"I'm just trying to build that company growth and revisit it maybe in twelve months.","start":249.76,"end":254.31999,"sentiment":"neutral","sentiment_score":0.28838035265604656},{"text":"So it's my wages will be about 150, and, yeah, we'll see where we're at next 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well.","start":279.51,"end":290.555,"sentiment":"neutral","sentiment_score":0.15272307540139846},{"text":"Absolutely.","start":296.215,"end":296.715,"sentiment":"neutral","sentiment_score":0.15848064422607422},{"text":"Yep.","start":297.015,"end":297.515,"sentiment":"neutral","sentiment_score":0.13205859065055847}],"sentiment":"neutral","sentiment_score":0.1283575128763914,"num_words":51,"start":266.295,"end":297.515},{"sentences":[{"text":"Yes.","start":304.83,"end":305.33,"sentiment":"neutral","sentiment_score":0.05073095858097077},{"text":"Correct.","start":305.39,"end":305.89,"sentiment":"neutral","sentiment_score":0.06765841692686081},{"text":"Yeah.","start":313.47,"end":313.95,"sentiment":"neutral","sentiment_score":0.014202108606696129},{"text":"I kind of I just like, this week's topsy-turvy, and last fortnight was as well.","start":313.95,"end":319.72498,"sentiment":"neutral","sentiment_score":-0.01024109572172165},{"text":"It really just depends on the clients.","start":319.72498,"end":321.405,"sentiment":"neutral","sentiment_score":0.004169626427548272}],"sentiment":"neutral","sentiment_score":0.00032649733126163485,"num_words":25,"start":304.83,"end":321.405},{"sentences":[{"text":"But I work a lot in the prisons and APU, so it's never really a dull moment if that makes sense.","start":321.405,"end":327.00497,"sentiment":"neutral","sentiment_score":0.08181815310603097},{"text":"So it might be some weeks I work fifty hours, and the next week I might work twenty.","start":327.00497,"end":332.14,"sentiment":"neutral","sentiment_score":0.013134002478586303},{"text":"Like, it it just depends on what's happening.","start":332.14,"end":334.88,"sentiment":"neutral","sentiment_score":0.006038187595549971},{"text":"It's hard to say.","start":335.26,"end":337.18002,"sentiment":"neutral","sentiment_score":-0.051705838181078434},{"text":"And and then I could work a weekend and have a few weekdays off.","start":337.18002,"end":340.905,"sentiment":"neutral","sentiment_score":0.05313264808085348}],"sentiment":"neutral","sentiment_score":0.03907588432328059,"num_words":65,"start":321.405,"end":340.905},{"sentences":[{"text":"It just depends when the work is and where the hysteria is, basically.","start":341.145,"end":345.725,"sentiment":"neutral","sentiment_score":-0.10116403377973117},{"text":"Absolutely.","start":347.545,"end":348.045,"sentiment":"neutral","sentiment_score":0.24934253096580505},{"text":"Indeed.","start":348.585,"end":349.085,"sentiment":"neutral","sentiment_score":0.13451889157295227},{"text":"Yep.","start":359.12,"end":359.36002,"sentiment":"neutral","sentiment_score":0.04144784063100815},{"text":"Correct.","start":359.36002,"end":359.86002,"sentiment":"neutral","sentiment_score":0.054660357534885406}],"sentiment":"neutral","sentiment_score":-0.049127224613638484,"num_words":17,"start":341.145,"end":359.86002},{"sentences":[{"text":"Yep.","start":364.96,"end":365.46,"sentiment":"neutral","sentiment_score":0.1673567146062851},{"text":"Yep.","start":372.32,"end":372.765,"sentiment":"neutral","sentiment_score":0.061368077993392944},{"text":"Mhmm.","start":374.20502,"end":374.70502,"sentiment":"neutral","sentiment_score":-0.010204247198998928},{"text":"Yep.","start":379.885,"end":380.385,"sentiment":"neutral","sentiment_score":-0.031723927706480026},{"text":"I think we're down to, gosh, just over 100,000 now.","start":381.96503,"end":385.98502,"sentiment":"neutral","sentiment_score":-0.06954374574124814}],"sentiment":"neutral","sentiment_score":-0.03633148855130587,"num_words":14,"start":364.96,"end":385.98502},{"sentences":[{"text":"Maybe, like, $1.12.","start":387.165,"end":388.545,"sentiment":"neutral","sentiment_score":-0.02297524983684222},{"text":"And the house has probably increased in value to about 900 and maybe $9.50.","start":389.94,"end":395.8,"sentiment":"neutral","sentiment_score":-0.03422681388578245},{"text":"Mhmm.","start":413.945,"end":414.345,"sentiment":"neutral","sentiment_score":-0.012898656539618967},{"text":"Oh, I got rid of the j eight, and I got a different car.","start":414.345,"end":417.30502,"sentiment":"neutral","sentiment_score":-0.1114847617489951},{"text":"So I don't have that anymore.","start":417.30502,"end":418.52502,"sentiment":"neutral","sentiment_score":-0.16154618312915167}],"sentiment":"neutral","sentiment_score":-0.0813437779924195,"num_words":38,"start":387.165,"end":418.52502},{"sentences":[{"text":"Purchased.","start":423.69,"end":424.19,"sentiment":"neutral","sentiment_score":-0.00006766121077816933},{"text":"Yeah.","start":424.25,"end":424.57,"sentiment":"neutral","sentiment_score":0.01136491261422634},{"text":"Straight out purchased.","start":424.57,"end":425.55,"sentiment":"neutral","sentiment_score":0.0030618878081440926},{"text":"Maybe, like, 67,000.","start":432.475,"end":434.655,"sentiment":"neutral","sentiment_score":0.0025235330685973167},{"text":"It's secondhand, but it's new to us.","start":434.955,"end":437.115,"sentiment":"neutral","sentiment_score":0.014739529628838812}],"sentiment":"neutral","sentiment_score":0.008748681429036271,"num_words":15,"start":423.69,"end":437.115},{"sentences":[{"text":"So, yeah, it's a Mercedes GLE three fifty d.","start":437.115,"end":446.28,"sentiment":"neutral","sentiment_score":0.0329046988238891},{"text":"Oh, no worries.","start":452.58002,"end":453.46002,"sentiment":"neutral","sentiment_score":0.05432077621420225},{"text":"Sure thing.","start":453.46002,"end":454.2,"sentiment":"neutral","sentiment_score":0.0559225007891655},{"text":"Yeah.","start":454.90002,"end":455.30002,"sentiment":"neutral","sentiment_score":0.023949015885591507},{"text":"It was yep.","start":455.30002,"end":457.64,"sentiment":"neutral","sentiment_score":0.007956431053268412}],"sentiment":"neutral","sentiment_score":0.03437599603785202,"num_words":18,"start":437.115,"end":457.64},{"sentences":[{"text":"No.","start":464.30502,"end":464.70502,"sentiment":"neutral","sentiment_score":-0.20300942659378052},{"text":"I wish.","start":464.70502,"end":465.445,"sentiment":"neutral","sentiment_score":-0.18546919524669647},{"text":"No.","start":469.105,"end":469.58502,"sentiment":"neutral","sentiment_score":-0.14933210611343384},{"text":"Just like normal household assets like computers, iPads, like TVs everywhere.","start":469.58502,"end":478.01,"sentiment":"neutral","sentiment_score":-0.07935799726031044},{"text":"Yeah.","start":480.47,"end":480.79,"sentiment":"neutral","sentiment_score":-0.018194589763879776}],"sentiment":"neutral","sentiment_score":-0.10090078017674387,"num_words":16,"start":464.30502,"end":480.79},{"sentences":[{"text":"The usual, I think.","start":480.79,"end":481.91,"sentiment":"neutral","sentiment_score":-0.0253546261228621},{"text":"Like, I don't know what's out of the ordinary that I could maybe mention, but, no, I think that's it.","start":481.91,"end":488.355,"sentiment":"neutral","sentiment_score":-0.039816741226240994},{"text":"I think everything's just 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honest.","start":722.17,"end":730.82996,"sentiment":"neutral","sentiment_score":-0.004819674708414823},{"text":"Oh, okay.","start":736.635,"end":737.375,"sentiment":"neutral","sentiment_score":0.011520489118993282}],"sentiment":"neutral","sentiment_score":0.19309921098443178,"num_words":65,"start":710.705,"end":737.375},{"sentences":[{"text":"Sure.","start":739.915,"end":740.415,"sentiment":"neutral","sentiment_score":0.03109971061348915},{"text":"Got 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wow.","start":826.215,"end":827.03503,"sentiment":"neutral","sentiment_score":0.1557738184928894},{"text":"So a lot more than what I'm kind of earning.","start":829.60004,"end":831.86005,"sentiment":"neutral","sentiment_score":0.06462510898709298},{"text":"Yeah.","start":832.16003,"end":832.66003,"sentiment":"neutral","sentiment_score":0.04973695054650307}],"sentiment":"neutral","sentiment_score":0.09612356697519621,"num_words":15,"start":810.84,"end":832.66003},{"sentences":[{"text":"Uh-huh.","start":839.68005,"end":840.075,"sentiment":"neutral","sentiment_score":0.04555611684918403},{"text":"Right.","start":846.47504,"end":846.97504,"sentiment":"neutral","sentiment_score":0.006844507530331612},{"text":"Oh, 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this.","start":1097.735,"end":1099.755,"sentiment":"neutral","sentiment_score":0.11749192792922258},{"text":"Yeah.","start":1100.2949,"end":1100.695,"sentiment":"neutral","sentiment_score":0.11955924332141876},{"text":"I think while I'm still young, it's probably best well, young ish to stay a bit high risk.","start":1100.695,"end":1107.1749,"sentiment":"neutral","sentiment_score":-0.08376048877835274},{"text":"Would you agree?","start":1107.1749,"end":1108.075,"sentiment":"neutral","sentiment_score":0.04204318920771281}],"sentiment":"neutral","sentiment_score":0.013392283782070758,"num_words":51,"start":1092.16,"end":1108.075},{"sentences":[{"text":"Yeah.","start":1113.4299,"end":1113.9299,"sentiment":"neutral","sentiment_score":0.030648961663246155},{"text":"Yes.","start":1121.6699,"end":1122.07,"sentiment":"neutral","sentiment_score":0.1622956097126007},{"text":"Sure.","start":1122.07,"end":1122.5499,"sentiment":"neutral","sentiment_score":0.17982861399650574},{"text":"Yes.","start":1122.5499,"end":1123.0499,"sentiment":"neutral","sentiment_score":0.10923902690410614},{"text":"Oh, I know.","start":1127.015,"end":1127.895,"sentiment":"negative","sentiment_score":-0.4173329373200734}],"sentiment":"neutral","sentiment_score":-0.1099980856691088,"num_words":7,"start":1113.4299,"end":1127.895},{"sentences":[{"text":"My mom does that.","start":1127.895,"end":1128.935,"sentiment":"negative","sentiment_score":-0.38408689945936203},{"text":"Oh gosh.","start":1128.935,"end":1129.7351,"sentiment":"neutral","sentiment_score":-0.12398290261626244},{"text":"Yeah.","start":1129.7351,"end":1130.2351,"sentiment":"neutral","sentiment_score":-0.003906775265932083},{"text":"Yep.","start":1132.6951,"end":1133.1951,"sentiment":"neutral","sentiment_score":0.1189737617969513},{"text":"Yep.","start":1140.0701,"end":1140.39,"sentiment":"neutral","sentiment_score":0.009005745872855186}],"sentiment":"neutral","sentiment_score":-0.18447118562956652,"num_words":9,"start":1127.895,"end":1140.39},{"sentences":[{"text":"For sure.","start":1140.39,"end":1141.03,"sentiment":"neutral","sentiment_score":-0.004749622195959091},{"text":"Yeah.","start":1141.03,"end":1141.27,"sentiment":"neutral","sentiment_score":-0.030718300491571423},{"text":"No.","start":1141.27,"end":1141.77,"sentiment":"neutral","sentiment_score":-0.2294272184371948},{"text":"Whatever.","start":1141.8301,"end":1142.3301,"sentiment":"neutral","sentiment_score":-0.1831735372543335},{"text":"I really I get this I get the world and the way these things work and function, so I try not to invest any emotions into the big hits.","start":1142.4701,"end":1152.045,"sentiment":"neutral","sentiment_score":-0.1288645177565772}],"sentiment":"neutral","sentiment_score":-0.1232320386916399,"num_words":34,"start":1140.39,"end":1152.045},{"sentences":[{"text":"It's not worth it.","start":1152.045,"end":1153.265,"sentiment":"negative","sentiment_score":-0.63149394094944},{"text":"Mhmm.","start":1161.645,"end":1162.145,"sentiment":"neutral","sentiment_score":0.14605991542339325},{"text":"Yep.","start":1174.03,"end":1174.53,"sentiment":"neutral","sentiment_score":0.272647887468338},{"text":"Yep.","start":1181.305,"end":1181.805,"sentiment":"neutral","sentiment_score":-0.06723549962043762},{"text":"Okay.","start":1184.185,"end":1184.685,"sentiment":"neutral","sentiment_score":0.011994045227766035}],"sentiment":"neutral","sentiment_score":-0.27031367691233754,"num_words":8,"start":1152.045,"end":1184.685},{"sentences":[{"text":"Yep.","start":1196.12,"end":1196.62,"sentiment":"neutral","sentiment_score":0.09408261626958848},{"text":"Sure.","start":1216.495,"end":1216.995,"sentiment":"neutral","sentiment_score":0.14186179637908936},{"text":"Yep.","start":1227.36,"end":1227.6799,"sentiment":"neutral","sentiment_score":0.133826345205307},{"text":"Sure.","start":1227.6799,"end":1228.1799,"sentiment":"neutral","sentiment_score":-0.03679706156253815},{"text":"Okay.","start":1239.9751,"end":1240.295,"sentiment":"neutral","sentiment_score":0.06619911640882492}],"sentiment":"neutral","sentiment_score":0.07983456254005432,"num_words":5,"start":1196.12,"end":1240.295},{"sentences":[{"text":"Yep.","start":1240.295,"end":1240.795,"sentiment":"neutral","sentiment_score":0.10359634459018709},{"text":"Mhmm.","start":1242.055,"end":1242.555,"sentiment":"neutral","sentiment_score":0.05730217322707176},{"text":"Sure.","start":1245.895,"end":1246.395,"sentiment":"neutral","sentiment_score":0.23629626631736755},{"text":"So if I was to pay more fees to get a higher return, probably that one.","start":1254.48,"end":1260.1,"sentiment":"neutral","sentiment_score":0.05810216977261007},{"text":"Oh, so I have low fees as well as a higher return?","start":1263.68,"end":1269.775,"sentiment":"neutral","sentiment_score":0.20760765547553697}],"sentiment":"neutral","sentiment_score":0.12316520536138166,"num_words":31,"start":1240.295,"end":1269.775},{"sentences":[{"text":"So I I think I don't understand.","start":1279.81,"end":1281.8301,"sentiment":"neutral","sentiment_score":-0.014825215829270226},{"text":"So pay low fees to get a high return or high fees to get a high return.","start":1281.89,"end":1286.53,"sentiment":"neutral","sentiment_score":0.096693193211275},{"text":"Is that what you said?","start":1286.53,"end":1287.75,"sentiment":"neutral","sentiment_score":0.056109806150197984},{"text":"Mhmm.","start":1296.685,"end":1297.185,"sentiment":"neutral","sentiment_score":0.13270653784275055},{"text":"Mhmm.","start":1305.645,"end":1306.145,"sentiment":"neutral","sentiment_score":0.08269482105970383}],"sentiment":"neutral","sentiment_score":0.06567606978839444,"num_words":31,"start":1279.81,"end":1306.145},{"sentences":[{"text":"Sure.","start":1306.6051,"end":1307.1051,"sentiment":"neutral","sentiment_score":0.12694090604782104},{"text":"Oh my god.","start":1316.27,"end":1316.91,"sentiment":"neutral","sentiment_score":-0.05501109113295873},{"text":"I don't know.","start":1316.91,"end":1317.89,"sentiment":"neutral","sentiment_score":-0.1358636940519015},{"text":"What do you suggest?","start":1318.1101,"end":1319.0901,"sentiment":"neutral","sentiment_score":-0.09930653870105743},{"text":"I actually don't know.","start":1320.3351,"end":1321.635,"sentiment":"neutral","sentiment_score":-0.05028542876243591}],"sentiment":"neutral","sentiment_score":-0.06960342129071553,"num_words":15,"start":1306.6051,"end":1321.635},{"sentences":[{"text":"Yeah.","start":1325.535,"end":1326.035,"sentiment":"neutral","sentiment_score":0.04139582812786102},{"text":"I think to keep it and, yeah, like you said, find a different fund manager maybe.","start":1335.75,"end":1340.33,"sentiment":"neutral","sentiment_score":-0.043204372050240636},{"text":"I I yeah.","start":1340.39,"end":1341.5299,"sentiment":"neutral","sentiment_score":0.00584353506565094},{"text":"I mean, I feel like that's if I say the lower the lower funds I don't know.","start":1347.83,"end":1354.355,"sentiment":"neutral","sentiment_score":0.03842052280464593},{"text":"Like, I really don't know.","start":1354.355,"end":1355.475,"sentiment":"neutral","sentiment_score":-0.09262324869632721}],"sentiment":"neutral","sentiment_score":-0.010531211316230752,"num_words":42,"start":1325.535,"end":1355.475},{"sentences":[{"text":"Maybe just stick it stick to wait the way it is.","start":1355.475,"end":1357.715,"sentiment":"neutral","sentiment_score":0.08665777539665048},{"text":"I think that's the best bet because I haven't had any issues, I suppose.","start":1357.715,"end":1361.255,"sentiment":"neutral","sentiment_score":0.16087905211108072},{"text":"What what what's not broken yet?","start":1361.955,"end":1364.695,"sentiment":"neutral","sentiment_score":0.03494372280935446},{"text":"Right.","start":1374.1699,"end":1374.6699,"sentiment":"neutral","sentiment_score":-0.1939065009355545},{"text":"Oh, gosh.","start":1376.65,"end":1377.2899,"sentiment":"neutral","sentiment_score":-0.13720201328396797}],"sentiment":"neutral","sentiment_score":0.08667335494914476,"num_words":34,"start":1355.475,"end":1377.2899},{"sentences":[{"text":"I wouldn't I I haven't really I couldn't.","start":1377.2899,"end":1380.59,"sentiment":"neutral","sentiment_score":-0.23870332539081573},{"text":"I don't wanna sound disrespectful or anything, but I I don't care.","start":1380.915,"end":1383.895,"sentiment":"neutral","sentiment_score":-0.25803573057055473},{"text":"So I just like it's really yeah.","start":1384.435,"end":1387.155,"sentiment":"neutral","sentiment_score":0.03335448886666979},{"text":"It's what it is what it is.","start":1387.155,"end":1388.675,"sentiment":"neutral","sentiment_score":0.23005096188613347},{"text":"If you I I'm happy to be kinda led around by you guys with what you guys think is the best option for me.","start":1388.675,"end":1396.16,"sentiment":"positive","sentiment_score":0.40085812223454315}],"sentiment":"neutral","sentiment_score":0.11135133998147373,"num_words":58,"start":1377.2899,"end":1396.16},{"sentences":[{"text":"I I don't I'm one of those people that just does not pay attention to what I cannot control.","start":1396.16,"end":1401.7001,"sentiment":"negative","sentiment_score":-0.36173872179106664},{"text":"So, yeah, that that's kinda my motto.","start":1403.4401,"end":1405.7001,"sentiment":"neutral","sentiment_score":0.16738051176071167},{"text":"Exactly.","start":1409.205,"end":1409.705,"sentiment":"neutral","sentiment_score":0.06844057887792587},{"text":"Yeah.","start":1411.0449,"end":1411.5449,"sentiment":"neutral","sentiment_score":0.12612208724021912},{"text":"Sure.","start":1420.245,"end":1420.745,"sentiment":"neutral","sentiment_score":0.2746644914150238}],"sentiment":"neutral","sentiment_score":-0.18041879221283155,"num_words":29,"start":1396.16,"end":1420.745},{"sentences":[{"text":"Awesome.","start":1420.8049,"end":1421.3049,"sentiment":"positive","sentiment_score":0.4616374373435974},{"text":"Okay.","start":1429.77,"end":1430.27,"sentiment":"neutral","sentiment_score":0.18187516927719116},{"text":"Thank you.","start":1435.53,"end":1436.35,"sentiment":"positive","sentiment_score":0.5595565736293793},{"text":"Sure.","start":1439.2101,"end":1439.505,"sentiment":"neutral","sentiment_score":0.32361873984336853},{"text":"Sounds good.","start":1439.745,"end":1440.225,"sentiment":"neutral","sentiment_score":0.31969233974814415}],"sentiment":"positive","sentiment_score":0.389375596174172,"num_words":7,"start":1420.8049,"end":1440.225},{"sentences":[{"text":"I mean, you always get what you pay for at the end of the day, what what I say.","start":1440.225,"end":1443.745,"sentiment":"neutral","sentiment_score":0.0658290336202634},{"text":"So if I'm spending a bit more money yeah.","start":1443.745,"end":1446.625,"sentiment":"neutral","sentiment_score":-0.002270351526223951},{"text":"I don't know.","start":1446.625,"end":1447.185,"sentiment":"neutral","sentiment_score":-0.021858032792806625},{"text":"It just seems a bit more reassuring.","start":1447.185,"end":1449.205,"sentiment":"neutral","sentiment_score":0.1367539039679936},{"text":"I don't know.","start":1449.745,"end":1450.225,"sentiment":"neutral","sentiment_score":-0.08688696722189586}],"sentiment":"neutral","sentiment_score":0.04539904397026431,"num_words":41,"start":1440.225,"end":1450.225},{"sentences":[{"text":"I haven't had any issues, so why change what's not broken?","start":1450.225,"end":1452.945,"sentiment":"neutral","sentiment_score":-0.16963345421986145},{"text":"So, yes, go for it.","start":1452.945,"end":1456.3501,"sentiment":"neutral","sentiment_score":0.013497010245919228},{"text":"Yep.","start":1458.13,"end":1458.63,"sentiment":"neutral","sentiment_score":0.027353715151548386},{"text":"Yep.","start":1461.3301,"end":1461.81,"sentiment":"neutral","sentiment_score":0.12177424132823944},{"text":"Got 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you.","start":1473.265,"end":1474.005,"sentiment":"positive","sentiment_score":0.48097050189971924}],"sentiment":"neutral","sentiment_score":0.23490937881999546,"num_words":9,"start":1462.29,"end":1474.005},{"sentences":[{"text":"Yep.","start":1474.9451,"end":1475.4451,"sentiment":"neutral","sentiment_score":0.25988078117370605},{"text":"Yeah.","start":1489.59,"end":1489.83,"sentiment":"neutral","sentiment_score":0.13792049884796145},{"text":"I appreciate that.","start":1489.83,"end":1490.71,"sentiment":"neutral","sentiment_score":0.2764963358640671},{"text":"Yeah.","start":1490.71,"end":1490.95,"sentiment":"neutral","sentiment_score":0.0797865092754364},{"text":"No.","start":1490.95,"end":1491.11,"sentiment":"neutral","sentiment_score":0.02469435334205627}],"sentiment":"neutral","sentiment_score":0.19025302146162307,"num_words":7,"start":1474.9451,"end":1491.11},{"sentences":[{"text":"That's good.","start":1491.11,"end":1491.51,"sentiment":"neutral","sentiment_score":0.2585144639015198},{"text":"It's good to have these chats, fluid chats about it's it's very educational for me, but I also it blows my mind as well.","start":1491.51,"end":1499.055,"sentiment":"positive","sentiment_score":0.34941440758605796},{"text":"So yeah.","start":1499.055,"end":1499.535,"sentiment":"neutral","sentiment_score":0.10969081521034241},{"text":"No.","start":1499.535,"end":1500.035,"sentiment":"neutral","sentiment_score":0.09079988300800323},{"text":"It's yeah.","start":1500.175,"end":1502.675,"sentiment":"neutral","sentiment_score":0.30079519003629684}],"sentiment":"neutral","sentiment_score":0.3166047291409585,"num_words":31,"start":1491.11,"end":1502.675},{"sentences":[{"text":"Thank you.","start":1506.655,"end":1507.4751,"sentiment":"neutral","sentiment_score":0.24987681210041046},{"text":"Well, I have a question, and it's just because it's popped up in the last few few weeks with my business insurance.","start":1509.4,"end":1517.82,"sentiment":"neutral","sentiment_score":-0.07802773554894057},{"text":"Obviously, I've gotta have, you know, PIPL insurances, But something that's come up is workers' compensation insurance.","start":1517.88,"end":1524.9249,"sentiment":"neutral","sentiment_score":-0.11674942514475654},{"text":"And I wondered if that would somehow I don't wanna double up on insurances of for obvious reasons.","start":1525.465,"end":1531.225,"sentiment":"neutral","sentiment_score":-0.25600261323981816},{"text":"They're very expensive.","start":1531.225,"end":1532.205,"sentiment":"neutral","sentiment_score":-0.329152171810468}],"sentiment":"neutral","sentiment_score":-0.14188871514653006,"num_words":62,"start":1506.655,"end":1532.205},{"sentences":[{"text":"But is it something that's covered in one of the insurances I have at the moment?","start":1532.265,"end":1536.765,"sentiment":"neutral","sentiment_score":-0.027494014357216656},{"text":"Or is because or is it just, like, kind of a separate thing because I'm a company now?","start":1538.6,"end":1543.6599,"sentiment":"neutral","sentiment_score":-0.035275634481675096},{"text":"Yep.","start":1550.5199,"end":1551.0199,"sentiment":"neutral","sentiment_score":0.01231480948626995},{"text":"Work.","start":1555.645,"end":1556.145,"sentiment":"neutral","sentiment_score":0.00861368142068386},{"text":"Yeah.","start":1556.205,"end":1556.605,"sentiment":"neutral","sentiment_score":0.022069662809371948}],"sentiment":"neutral","sentiment_score":-0.027888310720791686,"num_words":37,"start":1532.265,"end":1556.605},{"sentences":[{"text":"Correct.","start":1556.605,"end":1557.105,"sentiment":"neutral","sentiment_score":0.03211900219321251},{"text":"Of 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forbid, touch wood, at work, my income protection would cover me.","start":1585.105,"end":1591.32,"sentiment":"neutral","sentiment_score":-0.048350867650964684},{"text":"I don't think I need to get workers' comp until I have employees, which I don't have right now.","start":1591.32,"end":1596.36,"sentiment":"neutral","sentiment_score":-0.09738495396940332}],"sentiment":"neutral","sentiment_score":-0.042816260694102805,"num_words":55,"start":1576.65,"end":1596.36},{"sentences":[{"text":"So that answered that question in my brain now.","start":1596.36,"end":1598.6,"sentiment":"neutral","sentiment_score":-0.002752976285086738},{"text":"Got 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you.","start":1685.89,"end":1686.63,"sentiment":"positive","sentiment_score":0.7115947008132935}],"sentiment":"positive","sentiment_score":0.4968279408557074,"num_words":7,"start":1678.37,"end":1686.63},{"sentences":[{"text":"Nope.","start":1690.2899,"end":1690.5299,"sentiment":"neutral","sentiment_score":0.013787898235023022},{"text":"That's it.","start":1690.5299,"end":1690.965,"sentiment":"neutral","sentiment_score":0.0434606596827507},{"text":"Thank you.","start":1691.0449,"end":1691.365,"sentiment":"neutral","sentiment_score":0.32578012347221375},{"text":"I just had that workers' comp question.","start":1691.365,"end":1692.965,"sentiment":"neutral","sentiment_score":0.0638947423015322},{"text":"That's great.","start":1692.965,"end":1693.705,"sentiment":"positive","sentiment_score":0.5416759550571442}],"sentiment":"neutral","sentiment_score":0.1630631836264261,"num_words":14,"start":1690.2899,"end":1693.705},{"sentences":[{"text":"Yes.","start":1698.725,"end":1699.205,"sentiment":"neutral","sentiment_score":0.07311071455478668},{"text":"Yep.","start":1699.205,"end":1699.705,"sentiment":"neutral","sentiment_score":0.06069071590900421},{"text":"Sure.","start":1705.98,"end":1706.48,"sentiment":"neutral","sentiment_score":0.05785621702671051},{"text":"Yeah.","start":1706.54,"end":1706.86,"sentiment":"neutral","sentiment_score":0.03930031135678291},{"text":"Yeah.","start":1706.86,"end":1707.1,"sentiment":"neutral","sentiment_score":0.052438948303461075}],"sentiment":"neutral","sentiment_score":0.05667938143014908,"num_words":5,"start":1698.725,"end":1707.1},{"sentences":[{"text":"No stress at all.","start":1707.1,"end":1707.98,"sentiment":"neutral","sentiment_score":0.03172161243855953},{"text":"Yeah.","start":1707.98,"end":1708.22,"sentiment":"neutral","sentiment_score":0.0022868234664201736},{"text":"Just something that keeps popping up, like, with my insurance broker and my accountant.","start":1708.22,"end":1712.64,"sentiment":"neutral","sentiment_score":-0.06160914711654186},{"text":"They're asking lots of questions about it's always coming back to the workers' comp because I'm in that high risk industry.","start":1712.78,"end":1718.48,"sentiment":"neutral","sentiment_score":-0.084214793606883},{"text":"But I also think because I'm the director of the company and I'm my only employee, if anything was to happen, it would be it it would be more if I had employees that I think the workers' comp is imperative.","start":1719.735,"end":1733.035,"sentiment":"neutral","sentiment_score":-0.03295658350490579}],"sentiment":"neutral","sentiment_score":-0.04756895525748899,"num_words":81,"start":1707.1,"end":1733.035},{"sentences":[{"text":"But at this point, I'm not too fussed about it.","start":1733.095,"end":1736.57,"sentiment":"neutral","sentiment_score":-0.0076866960152983665},{"text":"But, yeah, if you have a conversation, sounds good.","start":1736.57,"end":1739.3099,"sentiment":"neutral","sentiment_score":0.17518401973777348},{"text":"Yep.","start":1746.33,"end":1746.705,"sentiment":"neutral","sentiment_score":0.11490756273269652},{"text":"Mhmm.","start":1752.465,"end":1752.625,"sentiment":"neutral","sentiment_score":0.07443505525588989},{"text":"K.","start":1752.625,"end":1752.865,"sentiment":"neutral","sentiment_score":0.10630021244287492}],"sentiment":"neutral","sentiment_score":0.08161054763265631,"num_words":22,"start":1733.095,"end":1752.865},{"sentences":[{"text":"Great.","start":1752.865,"end":1753.1849,"sentiment":"positive","sentiment_score":0.450725257396698},{"text":"Sounds good.","start":1753.1849,"end":1753.9249,"sentiment":"positive","sentiment_score":0.45991717278957367},{"text":"No.","start":1769.11,"end":1769.61,"sentiment":"neutral","sentiment_score":-0.1770918369293213},{"text":"Mhmm.","start":1776.825,"end":1777.325,"sentiment":"neutral","sentiment_score":-0.010149884037673472},{"text":"Mhmm.","start":1785.215,"end":1785.465,"sentiment":"neutral","sentiment_score":-0.03641928732395172}],"sentiment":"neutral","sentiment_score":0.19114976578081647,"num_words":6,"start":1752.865,"end":1785.465},{"sentences":[{"text":"Yes.","start":1785.465,"end":1785.965,"sentiment":"neutral","sentiment_score":0.01444870512932539},{"text":"Mhmm.","start":1789.305,"end":1789.805,"sentiment":"neutral","sentiment_score":-0.017483804374933243},{"text":"Uh-huh.","start":1803.3899,"end":1803.8899,"sentiment":"neutral","sentiment_score":0.0019476354354992509},{"text":"So yes.","start":1811.365,"end":1812.185,"sentiment":"neutral","sentiment_score":-0.07507083378732204},{"text":"I think I'll stick with the three I've got.","start":1819.89,"end":1823.41,"sentiment":"neutral","sentiment_score":-0.09754071053531435}],"sentiment":"neutral","sentiment_score":-0.07350682330018442,"num_words":14,"start":1785.465,"end":1823.41},{"sentences":[{"text":"I've come this far without it.","start":1823.41,"end":1825.1901,"sentiment":"neutral","sentiment_score":-0.23992804934581122},{"text":"Yep.","start":1831.97,"end":1832.325,"sentiment":"neutral","sentiment_score":0.08063681423664093},{"text":"So yeah.","start":1834.1649,"end":1834.6449,"sentiment":"neutral","sentiment_score":0.01532819215208292},{"text":"No.","start":1834.6449,"end":1834.825,"sentiment":"neutral","sentiment_score":-0.03727642819285393},{"text":"I think I'll think about it, though, but I think at this stage, it's not really necessary.","start":1834.825,"end":1838.6649,"sentiment":"neutral","sentiment_score":-0.10444254756850355}],"sentiment":"neutral","sentiment_score":-0.11633610497746202,"num_words":27,"start":1823.41,"end":1838.6649},{"sentences":[{"text":"Sure.","start":1847.01,"end":1847.4099,"sentiment":"neutral","sentiment_score":0.29891884326934814},{"text":"Sounds good.","start":1847.4099,"end":1848.23,"sentiment":"positive","sentiment_score":0.4991917610168457},{"text":"Yep.","start":1855.73,"end":1856.0499,"sentiment":"neutral","sentiment_score":0.17169027030467987},{"text":"I'll just jump on and have a quick look if you like.","start":1856.0499,"end":1858.155,"sentiment":"neutral","sentiment_score":0.17442279309034348},{"text":"Mhmm.","start":1858.155,"end":1858.655,"sentiment":"neutral","sentiment_score":0.05388785153627395}],"sentiment":"neutral","sentiment_score":0.2127031767193009,"num_words":17,"start":1847.01,"end":1858.655},{"sentences":[{"text":"Yep.","start":1865.8425,"end":1866.3425,"sentiment":"neutral","sentiment_score":0.19001516699790957},{"text":"Okay.","start":1877.13,"end":1877.4501,"sentiment":"neutral","sentiment_score":0.0477931872010231},{"text":"Great.","start":1877.4501,"end":1877.9501,"sentiment":"positive","sentiment_score":0.6728467345237732},{"text":"Yep.","start":1878.3301,"end":1878.8301,"sentiment":"positive","sentiment_score":0.3356657028198242},{"text":"Sure.","start":1881.29,"end":1881.79,"sentiment":"neutral","sentiment_score":0.1866152286529541}],"sentiment":"neutral","sentiment_score":0.2865872040390968,"num_words":5,"start":1865.8425,"end":1881.79},{"sentences":[{"text":"Hasn't come through yet, but I'm sure it's not far away.","start":1882.49,"end":1886.11,"sentiment":"neutral","sentiment_score":-0.0014240900345612317},{"text":"Oh, no worries.","start":1888.3351,"end":1889.4551,"sentiment":"neutral","sentiment_score":0.10323891043663025},{"text":"That's fine.","start":1889.4551,"end":1890.175,"sentiment":"neutral","sentiment_score":0.2541206181049347},{"text":"Yeah.","start":1890.175,"end":1890.675,"sentiment":"neutral","sentiment_score":0.14539790153503418},{"text":"Sure.","start":1892.7351,"end":1893.2351,"sentiment":"neutral","sentiment_score":0.11898472905158997}],"sentiment":"neutral","sentiment_score":0.05925975598478948,"num_words":18,"start":1882.49,"end":1893.2351},{"sentences":[{"text":"Mhmm.","start":1900.255,"end":1900.68,"sentiment":"neutral","sentiment_score":0.0757477879524231},{"text":"Yep.","start":1902.92,"end":1903.42,"sentiment":"neutral","sentiment_score":0.10978898406028748},{"text":"Yep.","start":1909.4,"end":1909.9,"sentiment":"positive","sentiment_score":0.3441980481147766},{"text":"Sure.","start":1912.28,"end":1912.695,"sentiment":"neutral","sentiment_score":0.3128048777580261},{"text":"Sure.","start":1920.1349,"end":1920.6349,"sentiment":"neutral","sentiment_score":0.11251407116651536}],"sentiment":"neutral","sentiment_score":0.19101075381040572,"num_words":5,"start":1900.255,"end":1920.6349},{"sentences":[{"text":"Okay.","start":1927.4601,"end":1927.86,"sentiment":"positive","sentiment_score":0.34302592277526855},{"text":"Great.","start":1927.86,"end":1928.36,"sentiment":"positive","sentiment_score":0.6016446352005005},{"text":"Not at not for the next couple of years.","start":1940.175,"end":1944.0951,"sentiment":"neutral","sentiment_score":-0.12478119879961014},{"text":"We'll we'll review what maybe in two.","start":1944.0951,"end":1945.935,"sentiment":"neutral","sentiment_score":0.005806729197502136},{"text":"We just wanna smash the mortgage and then definitely look at what our options are with with our leftover money if we won't have a mortgage anymore.","start":1945.935,"end":1953.135,"sentiment":"neutral","sentiment_score":0.07858624297228677}],"sentiment":"neutral","sentiment_score":0.044091454075856344,"num_words":45,"start":1927.4601,"end":1953.135},{"sentences":[{"text":"So, you know, we definitely wanna invest it in something, but we're just not sure what that would look like yet.","start":1953.135,"end":1958.37,"sentiment":"neutral","sentiment_score":0.04724832340365365},{"text":"Yeah.","start":1962.1901,"end":1962.6901,"sentiment":"neutral","sentiment_score":0.06984115391969681},{"text":"Yeah.","start":1965.47,"end":1965.855,"sentiment":"neutral","sentiment_score":0.0527857281267643},{"text":"Yep.","start":1971.135,"end":1971.635,"sentiment":"neutral","sentiment_score":0.003304553683847189},{"text":"Mhmm.","start":1974.735,"end":1975.235,"sentiment":"neutral","sentiment_score":0.02159522846341133}],"sentiment":"neutral","sentiment_score":0.04558965822681785,"num_words":25,"start":1953.135,"end":1975.235},{"sentences":[{"text":"Yep.","start":1980.335,"end":1980.81,"sentiment":"neutral","sentiment_score":0.22870610654354095},{"text":"Sounds perfect.","start":1981.05,"end":1981.79,"sentiment":"positive","sentiment_score":0.6884217858314514},{"text":"All good.","start":1986.81,"end":1987.3701,"sentiment":"positive","sentiment_score":0.3737579584121704},{"text":"No.","start":1987.3701,"end":1987.6901,"sentiment":"neutral","sentiment_score":-0.07594781368970871},{"text":"Not not not anymore.","start":1987.6901,"end":1989.15,"sentiment":"neutral","sentiment_score":-0.2252991572022438}],"sentiment":"neutral","sentiment_score":0.13759211525321008,"num_words":10,"start":1980.335,"end":1989.15},{"sentences":[{"text":"Awesome.","start":1999.405,"end":1999.885,"sentiment":"positive","sentiment_score":0.7337544560432434},{"text":"Thank you so much.","start":1999.885,"end":2001.025,"sentiment":"positive","sentiment_score":0.7993979007005692},{"text":"Sounds good.","start":2005.2909,"end":2005.851,"sentiment":"positive","sentiment_score":0.6831637024879456},{"text":"Talk to you then.","start":2005.851,"end":2006.9109,"sentiment":"positive","sentiment_score":0.4843897968530655},{"text":"Okay.","start":2008.2509,"end":2008.6509,"sentiment":"neutral","sentiment_score":0.2462843656539917}],"sentiment":"positive","sentiment_score":0.6234597514073054,"num_words":12,"start":1999.405,"end":2008.6509},{"sentences":[{"text":"See you.","start":2008.6509,"end":2009.1309,"sentiment":"neutral","sentiment_score":0.28976212441921234},{"text":"Bye bye.","start":2009.1309,"end":2009.8708,"sentiment":"neutral","sentiment_score":0.02887919545173645}],"sentiment":"neutral","sentiment_score":0.1593206599354744,"num_words":4,"start":2008.6509,"end":2009.8708}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Kelly. It's Tommy here, senior adviser. How are you doing?\n\nChannel 1: Oh, good. Thank you. I'm so sorry I just\n\nChannel 0: That is totally\n\nChannel 1: missed\n\nChannel 0: fine. I'm so glad you called\n\nChannel 1: you.\n\nChannel 0: back in. I was just about to send you\n\nChannel 1: Of\n\nChannel 0: a message,\n\nChannel 1: course.\n\nChannel 0: but thank you for that.\n\nChannel 1: Oh, no. I was on the other phone, so I was trying to get off one and get on the other. So, yes, all good.\n\nChannel 0: Oh, no worries at all. A bit of a busy day. Jordan\n\nChannel 1: One\n\nChannel 0: did\n\nChannel 1: of those\n\nChannel 0: let me\n\nChannel 1: days.\n\nChannel 0: know that you needed to bring it forward a little bit because your\n\nChannel 1: Yeah.\n\nChannel 0: afternoon\n\nChannel 1: Thank you\n\nChannel 0: is\n\nChannel 1: for\n\nChannel 0: chockablock.\n\nChannel 1: accommodating that. Yeah.\n\nChannel 0: That's no worries at all. No worries\n\nChannel 1: Cool.\n\nChannel 0: at all. I have some information here just about your inquiry for the super, and I wanted to kind of talk to you a bit about that and a few other things as well if we do have a few minutes. How\n\nChannel 1: Yep.\n\nChannel 0: long do\n\nChannel 1: Of\n\nChannel 0: I have you for today?\n\nChannel 1: course. Like, I'm free now till three. My next meeting starts at three. That's why I thought bumping it forward would be better.\n\nChannel 0: Yeah. Perfect. That's plenty of time. And just briefly as well, so with your your main inquiry, I think there was a note here around one of the investment options in the super. Is that correct?\n\nChannel 1: No. I didn't have any inquiries. Someone just called me last week and said I needed to book in a, like, a review or a check check-in on how things are traveling.\n\nChannel 0: Oh, yes. Annual review. So\n\nChannel 1: Yes. Something\n\nChannel 0: reason\n\nChannel 1: like that.\n\nChannel 0: why\n\nChannel 1: Yeah.\n\nChannel 0: we we kind of bring it forward just a little bit because your your services with us refresh on around about the May 24. But\n\nChannel 1: Okay.\n\nChannel 0: as you've probably seen in the news that the wealth's kind of on fire at the moment, so\n\nChannel 1: Oh, man. Isn't\n\nChannel 0: wanted\n\nChannel 1: it?\n\nChannel 0: to,\n\nChannel 1: Yes.\n\nChannel 0: yeah, we wanted to catch you just a little bit earlier just to go through a couple of things just so you're not blindsided with what's going on and\n\nChannel 1: Of\n\nChannel 0: just\n\nChannel 1: course.\n\nChannel 0: sort\n\nChannel 1: Yes.\n\nChannel 0: of see if there's anything we need to fix up.\n\nChannel 1: Yep. Of course.\n\nChannel 0: Perfect. So what I'll do, I do have, like, an annual review pack that I've prepared. If you are comfortable for that review, I'll shoot\n\nChannel 1: Yeah.\n\nChannel 0: that through after this call, and you can have a look at it, make sure you're comfortable with everything.\n\nChannel 1: Sure.\n\nChannel 0: The main thing that we do is I wanted to just go through and update your details to see if there's been any significant changes since we last spoke, and\n\nChannel 1: Mhmm.\n\nChannel 0: then just give you a bit of an update on the super and see if we need to change anything with that or your\n\nChannel 1: Sure.\n\nChannel 0: attached insurance policy.\n\nChannel 1: Yes. Brilliant. Good timing. Yeah. I have changed from a sole trader to a company, Proprietary Limited now, so that's\n\nChannel 0: Okay.\n\nChannel 1: probably the only change with me on my side.\n\nChannel 0: Perfect. So with the company, are you now employed by your company earning wages?\n\nChannel 1: Correct. Yes.\n\nChannel 0: Fantastic. Let me just have a quick look into your transaction history for a moment because that should tell me that your okay. I don't see any contributions in there. We've got MindMate behavior support.\n\nChannel 1: That's correct. Yep. And I've only started my company two weeks ago, so it's all very new.\n\nChannel 0: Oh, wow. Okay. So\n\nChannel 1: Yeah.\n\nChannel 0: MindMate\n\nChannel 1: Yep.\n\nChannel 0: Behavior Support, that's your company?\n\nChannel 1: No. So that's who I was contracting to as a sole trader. So\n\nChannel 0: Yes.\n\nChannel 1: my company is called Inner Growth with Kelly, and that my accountant sent my first contribution through yesterday.\n\nChannel 0: Oh, amazing. So that should clear\n\nChannel 1: Yeah.\n\nChannel 0: the account soon. And\n\nChannel 1: Yeah.\n\nChannel 0: okay. So we've got MindMate gave you a nice little lump sum of 11,000, which means they're kind of caught up on any contributions that they owed you at the time, which is fantastic.\n\nChannel 1: Good.\n\nChannel 0: With your wages from the company, we I think our last income, we had you earning around about 150,000. Do you know what your wages\n\nChannel 1: I'm\n\nChannel 0: are\n\nChannel 1: sorry.\n\nChannel 0: set up?\n\nChannel 1: You're cutting you're cutting out there. I'm just gonna get out of my office because I think it's me. I'm sorry. Can\n\nChannel 0: No\n\nChannel 1: you repeat\n\nChannel 0: worries.\n\nChannel 1: that?\n\nChannel 0: We had your last income at around about 150,000. Do you know what your wages\n\nChannel 1: Yep.\n\nChannel 0: are set to now?\n\nChannel 1: It's much the same.\n\nChannel 0: Perfect. So a 150,000 is okay. Just remain as it is?\n\nChannel 1: Yes. Absolutely. Yeah. I'm just trying to build that company growth and revisit it maybe in twelve months. So it's my wages will be about 150, and, yeah, we'll see where we're at next year.\n\nChannel 0: Absolutely. So very exciting for you to to journey out on starting your own company. And I'm assuming\n\nChannel 1: Absolutely.\n\nChannel 0: do you still do you still kind of contract or invoice to the same group, or have you kind of branched out a little bit?\n\nChannel 1: I branched out a little bit, but majority majority of the the work is with MindMate still. I'm just looking at other like, I do clinical supervision with other providers in the area, so that's something that'll be starting up in the next couple of weeks as well.\n\nChannel 0: Okay. Fantastic. Would you still count your occupation as, like, a behavioral therapist?\n\nChannel 1: Absolutely. Yep.\n\nChannel 0: Easy done. And okay. I'm assuming you're kind of doing that full time at the moment, aren't you?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yep. So I'll put that down. Is it do you just do, like, a standard thirty eight hours, or do you kind of just do everything that needs to be done? And\n\nChannel 1: Yeah. I kind of I just like, this week's topsy-turvy, and last fortnight was as well. It really just depends on the clients. But I work a lot in the prisons and APU, so it's never really a dull moment if that makes sense. So\n\nChannel 0: Oh,\n\nChannel 1: it\n\nChannel 0: yes.\n\nChannel 1: might\n\nChannel 0: I got you.\n\nChannel 1: be some weeks I work fifty hours, and the next week I might work twenty. Like, it it just depends on what's happening. It's hard to say. And and then I could work a weekend and have a few weekdays off. It just depends when the work is and where the hysteria is, basically.\n\nChannel 0: Yeah. So it can fluctuate quite a bit.\n\nChannel 1: Absolutely. Indeed.\n\nChannel 0: Okay. Alright. I'm gonna wind back for a quick moment. So in terms of personal details, we had you married to Jaden,\n\nChannel 1: Yep. Correct.\n\nChannel 0: and you're still in Brooklyn Way in Australia, WA.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So as far as your assets and liabilities go, we had, like, your home and some\n\nChannel 1: Yep.\n\nChannel 0: land as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Home was valued at 800,000 owing 150,000. Do you know what\n\nChannel 1: Yep.\n\nChannel 0: that's at at the moment?\n\nChannel 1: I think we're down to, gosh, just over 100,000 now. Maybe, like, $1.12. And the house has probably increased in value to about 900\n\nChannel 0: Yeah.\n\nChannel 1: and maybe $9.50.\n\nChannel 0: Yeah. Okay. Between 900 to 950,000. We lost that. That's fantastic.\n\nAnd I was looking through. So we had you have some work tech, some household content. You've got the cars, the Nissan, and the j eight.\n\nChannel 1: Mhmm.\n\nChannel 0: Outside\n\nChannel 1: Oh,\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: got rid of the j eight, and I got a different car. So I don't have that anymore.\n\nChannel 0: perfect. Is there a car loan attached, or is it just straight up purchase?\n\nChannel 1: Purchased. Yeah. Straight out purchased.\n\nChannel 0: Okay. So we have a new car, and that is valued at approximately\n\nChannel 1: Maybe, like, 67,000. It's\n\nChannel 0: k.\n\nChannel 1: secondhand, but it's new to us. So, yeah, it's a Mercedes GLE three fifty d.\n\nChannel 0: Okay. Fantastic. Alright. I'm just updating this on your file here.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: no\n\nChannel 0: the\n\nChannel 1: worries.\n\nChannel 0: j h,\n\nChannel 1: Sure thing.\n\nChannel 0: John,\n\nChannel 1: Yeah.\n\nChannel 0: Nissan\n\nChannel 1: It was\n\nChannel 0: is there.\n\nChannel 1: yep.\n\nChannel 0: Is there any other, like, assets or loans floating around? You don't have a whole bunch of cash floating under the mattress, some shares, nothing\n\nChannel 1: No.\n\nChannel 0: like\n\nChannel 1: I\n\nChannel 0: that.\n\nChannel 1: wish. No. Just like normal household assets like computers, iPads, like TVs everywhere. Yeah. The usual, I think.\n\nLike, I don't know what's out of the ordinary that I could maybe mention, but,\n\nChannel 0: No. That's perfect.\n\nChannel 1: no, I think that's\n\nChannel 0: I know\n\nChannel 1: it.\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: few\n\nChannel 1: think\n\nChannel 0: people\n\nChannel 1: everything's\n\nChannel 0: have\n\nChannel 1: just\n\nChannel 0: cryptocurrency\n\nChannel 1: normal.\n\nChannel 0: in the background and things\n\nChannel 1: Oh,\n\nChannel 0: like that.\n\nChannel 1: no. No. Nothing like that. Gosh. No.\n\nChannel 0: Not up your alley. I hear\n\nChannel 1: No.\n\nChannel 0: you loud\n\nChannel 1: I\n\nChannel 0: and\n\nChannel 1: wouldn't\n\nChannel 0: clear.\n\nChannel 1: I don't even know what that is. That's why I was yeah.\n\nChannel 0: Perfect. Perfect. As far as, like, your cash flow goes, I know this is all still kind of new but similar\n\nChannel 1: Yep.\n\nChannel 0: income. Do you\n\nChannel 1: Uh-huh.\n\nChannel 0: have, like, a set amount that you try and put aside every week or fortnight or month?\n\nChannel 1: Yeah. So, like, do you mean what I'm paying myself or the business?\n\nChannel 0: More so like surplus savings. Are you able to put\n\nChannel 1: Sure.\n\nChannel 0: anything\n\nChannel 1: Sure.\n\nChannel 0: aside into\n\nChannel 1: Yep.\n\nChannel 0: savings?\n\nChannel 1: Oh, absolutely. Yeah. We just throw it all into the mortgage, though. And if it's we need to redraw, we can.\n\nChannel 0: Yep.\n\nChannel 1: So I think at this moment, we're putting a a month, like, an extra five thousand dollars into the mortgage. We try\n\nChannel 0: Yep.\n\nChannel 1: not to touch it because we really wanna pay that off in the next two to three years.\n\nChannel 0: Fantastic. Go.\n\nChannel 1: Yeah. And then there's always money left over at the end of the fortnight, and we just let it sit in the savings account and build up. And then when something big needs to be paid for, we know we've got the money there to kind of use.\n\nChannel 0: Perfect. So I'll set the savings to a nice, safe sort of 5,000 a month for now, just bearing in mind\n\nChannel 1: Yep.\n\nChannel 0: there's a bit of\n\nChannel 1: Indeed.\n\nChannel 0: leeway on top\n\nChannel 1: Exactly.\n\nChannel 0: of that. Easy done. Easy done. And as far as estate planning goes, last\n\nChannel 1: Yes.\n\nChannel 0: time we checked, you didn't have, like, a will or power of attorney in place. Did you end up getting that sorted?\n\nChannel 1: So I have an appointment with a lawyer next month, and Jaden and I are gonna go and get our wheels done when he because\n\nChannel 0: Amazing.\n\nChannel 1: he's off to Kathmandu next week for a month. So when he's back we probably should have\n\nChannel 0: Oh,\n\nChannel 1: done it before he went on the trek, but never mind.\n\nChannel 0: perfect.\n\nChannel 1: It is what it is. And, yeah, when he's back, we're gonna go and take care of that.\n\nChannel 0: Perfect. So I'll put a note down that you're gonna talk to them about the wills and the power of attorneys and everything\n\nChannel 1: Yes.\n\nChannel 0: like that. So\n\nChannel 1: Indeed.\n\nChannel 0: that is fantastic. I'm just gonna have a quick look at your beneficiary details for your super, make sure that's all looking good. We did\n\nChannel 1: Mhmm.\n\nChannel 0: have it split between Jayden and Corey, 50\n\nChannel 1: Perfect.\n\nChannel 0: 50.\n\nChannel 1: Yep. That's great.\n\nChannel 0: Perfect. Just bear in mind that if you do have benefits left to a minor, for example, is Corey under 18 or above 18?\n\nChannel 1: Oh, no. He's 27.\n\nChannel 0: 27. Perfect. So when it comes to a spouse, when they receive your super, it is the the Canada's a tax dependent, so they get it\n\nChannel 1: Yep.\n\nChannel 0: all tax free. An adult child is unfortunately no longer a tax dependent, so they may pay a little bit on it. But if you want\n\nChannel 1: Oh,\n\nChannel 0: it to\n\nChannel 1: sure.\n\nChannel 0: go between the two, that is okay. Just wanted to let you know that would be the outcome.\n\nChannel 1: Okay. Alright. Okay. Good to know.\n\nChannel 0: Absolutely. You do have as well a life insurance policy that I wanted to talk to you about because you did just have an anniversary, and\n\nChannel 1: Yep.\n\nChannel 0: it changes every year. So I wanna make sure that's still okay.\n\nChannel 1: Yep. Sure thing.\n\nChannel 0: So you have life insurance and total disability. So that's your lump\n\nChannel 1: Yes.\n\nChannel 0: sums. Or if you pass away or can never work again, it's\n\nChannel 1: Mhmm.\n\nChannel 0: a million and $50,000 as a lump sum. So what I\n\nChannel 1: Right.\n\nChannel 0: wanted to ask you is because your mortgage is down so low, let's say that comes out and it pays off the mortgage and you're left with 8 or 900,000 for the family plus the super on top, kinda gets you close to that million dollars for them.\n\nChannel 1: Mhmm.\n\nChannel 0: What does that\n\nChannel 1: Yep.\n\nChannel 0: do for the family? Is that still a good situation? What does that do for them?\n\nChannel 1: I think that's a good situation. Like, I wouldn't want it to be any less. That's for sure.\n\nChannel 0: Yep.\n\nChannel 1: I wanna make sure Corey could just with the world at the minute, like, that he was financially stable and getting on his feet.\n\nChannel 0: Yeah. And that'll\n\nChannel 1: Is\n\nChannel 0: help\n\nChannel 1: it\n\nChannel 0: him.\n\nChannel 1: normal yeah. I think so. Is it normal for people to maybe go a little bit higher, or is that, like, the baseline, or what I don't really know too much about life insurance, to be honest.\n\nChannel 0: Yeah. So the average I see is between 500,000 and 1,000,000. Mainly people just\n\nChannel 1: Oh, okay.\n\nChannel 0: the baseline is is covering debt as a\n\nChannel 1: Sure.\n\nChannel 0: main thing. And then\n\nChannel 1: Got\n\nChannel 0: after\n\nChannel 1: it.\n\nChannel 0: that, you've got, like, income replacement or setting up your children and things like that.\n\nChannel 1: Sure. Sure. Okay. That makes that's okay then. We'll leave it as is, I suppose.\n\nChannel 0: Yep. Perfect. Price wise, it's jumped up a little bit, but it's not too crazy. The life and the TPD are still under 1,000. And\n\nChannel 1: Yep.\n\nChannel 0: then it gets a 15% rebate because any expense inside super gets 15% as a tax rebate. So\n\nChannel 1: Okay.\n\nChannel 0: that won't impact your super too much. Like, you've obviously got a decent amount of contributions going in. You've got a decent balance, decent growth. So it's not, like, a major anchor\n\nChannel 1: Oh, good.\n\nChannel 0: pulling you back.\n\nChannel 1: Okay. Great.\n\nChannel 0: When it comes to your income protection, so you have income protection if you're out of work for more than a month. They will\n\nChannel 1: Yes.\n\nChannel 0: give you monthly income replacement for up to five years.\n\nChannel 1: Right.\n\nChannel 0: Now your sum insured is 10,794 per month because the maximum is between 7075% depending on when the policy came out. And I'm just gonna do my little magic calculator here.\n\nChannel 1: Okay. Yep. Sure.\n\nChannel 0: It's protecting an income of around about just having a look at the inception date here, 2024. So 10,800 a month, that's protecting an income of a 185,000,\n\nChannel 1: Oh, wow.\n\nChannel 0: which\n\nChannel 1: So a lot\n\nChannel 0: if\n\nChannel 1: more\n\nChannel 0: you\n\nChannel 1: than\n\nChannel 0: were\n\nChannel 1: what I'm\n\nChannel 0: to,\n\nChannel 1: kind of earning. Yeah.\n\nChannel 0: yeah. So if you were to put in a claim, they look at your income going backwards twelve months. They work out that percentage. And,\n\nChannel 1: Uh-huh.\n\nChannel 0: basically, if you're only earning a 150,000, they would give you 70% of that, not of the\n\nChannel 1: Right.\n\nChannel 0: higher amount.\n\nChannel 1: Oh, okay.\n\nChannel 0: Rent. So what I would think of doing is sometimes they can incorporate a bit of your super contributions on top to close the gap,\n\nChannel 1: Yep.\n\nChannel 0: which if I go a 150,000 and add on super, that's a 168,000. So either way, you're still over insured for the income protection.\n\nChannel 1: Okay. Alright. Well, that's good to know. That's kinda reassuring.\n\nChannel 0: So what I would like to do potentially is I will\n\nChannel 1: Yep.\n\nChannel 0: get an alteration quote through for a little\n\nChannel 1: Okay.\n\nChannel 0: bit of a trim down just to save you a bit on the premiums.\n\nChannel 1: Yep. Okay. Sure.\n\nChannel 0: K? Otherwise, again, like, having extra insurance means that you have capacity for when your income goes up, but then it means\n\nChannel 1: Yes.\n\nChannel 0: if you were to claim tomorrow, you would be paying more for what you couldn't get.\n\nChannel 1: Okeydoke. Okay. Got it.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. No. Definitely.\n\nChannel 0: So I'll try and base it on your current income at the moment, maybe\n\nChannel 1: Mhmm.\n\nChannel 0: plus super, and then I'll let you know what that's looking like.\n\nChannel 1: Uh-huh.\n\nChannel 0: Okay. Now just swinging over onto the super side of things, I did mention at the start of the call, the world's kind of on fire at the moment\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: as it is. It hasn't it hasn't gone into the negative for the year. So even though the\n\nChannel 1: Yep.\n\nChannel 0: stock\n\nChannel 1: Oh,\n\nChannel 0: market's\n\nChannel 1: that's\n\nChannel 0: kind\n\nChannel 1: good.\n\nChannel 0: of taking a jump down, you're still up 4% for\n\nChannel 1: Okay.\n\nChannel 0: the last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: K. The only thing I'm looking at your portfolio, you're in a high growth. So 90\n\nChannel 1: Yep.\n\nChannel 0: percent in growth assets, shares, property, and so on.\n\nChannel 1: Okay.\n\nChannel 0: Now that's pretty well geared towards getting you, like, the higher returns. Try and grow\n\nChannel 1: Yep.\n\nChannel 0: your super as you can. At some point, you probably don't wanna stay high risk forever because, again, if you're 65, you probably don't want the stock market to crash and you lose half your super a year before you go to\n\nChannel 1: Yeah.\n\nChannel 0: retire and access it. Do you know what I mean?\n\nChannel 1: Yes. Got it. Yes.\n\nChannel 0: K? So in the interim, because of your current age, you still got a a good couple of decades ahead of you.\n\nChannel 1: Yes.\n\nChannel 0: Now\n\nChannel 1: Got it.\n\nChannel 0: what tends to happen over those twenty years is, let's say, every seven years, there's a market cycle. The stock market goes up, up, up, up, up, and then there's a COVID financial crisis, a war, and the stock market takes a jump, a dive.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Now when you're in high growth, it goes up and down like a roller coaster. It could go up ten, twenty, 30% in a single year. And then over the decade, you're trying to average out at a return of above 10%. That's kind of your benchmark.\n\nChannel 1: Right.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yes. Yep. So does so does.\n\nChannel 0: K. So your portfolio is still averaging out above the benchmark, which is good. I'm just warning\n\nChannel 1: Good.\n\nChannel 0: you that what tends to happen is the markets drop. So you're sitting at 215,800 and\n\nChannel 1: Yep.\n\nChannel 0: 35 today.\n\nChannel 1: Okay.\n\nChannel 0: So what tends to happen, and this pretty much will happen, is when the next\n\nChannel 1: Yep.\n\nChannel 0: crash happens, your super will go from, like, 215,000 to, like, 185. And then\n\nChannel 1: Got it.\n\nChannel 0: 12\n\nChannel 1: Yep.\n\nChannel 0: months later, two years later, you'll be sitting at $2.50, $2.60.\n\nChannel 1: Got it. Yeah. These things\n\nChannel 0: So\n\nChannel 1: are expected. I understand. Yes.\n\nChannel 0: yep. So when we think of what to do, we wanna make sure that all the investments are good quality. And then when the market goes down, your contributions are going in, and we get to kind of use it as a buying opportunity. The properties and companies go down in value. You get to buy more of them.\n\nAnd then when the stock market goes up, you get a big return on the way up.\n\nChannel 1: Right. Okay.\n\nChannel 0: So what I'm kind of telling you is that for the next three cycles, call that twenty one years, you've got a lot of growth and buying opportunities for the next fourteen\n\nChannel 1: Mhmm.\n\nChannel 0: years. In\n\nChannel 1: Mhmm.\n\nChannel 0: that last seven to ten years, we have to gradually reduce your risk level. So instead of staying 90% shares in property, we\n\nChannel 1: Yep.\n\nChannel 0: would gradually reduce you down eighty, seventy, sixty, fifty, forty, and then\n\nChannel 1: Mhmm.\n\nChannel 0: you are at retirement phase.\n\nChannel 1: Got\n\nChannel 0: So I just wanna make sure that you're still comfortable with that that\n\nChannel 1: it.\n\nChannel 0: behavior\n\nChannel 1: Yeah.\n\nChannel 0: and that plan.\n\nChannel 1: Yep. Would you I mean, I just kinda follow your guys' flow. So if you think that I need to not be so high risk, I'm just gonna let you guys guide me. You are the experts in all of this. Yeah.\n\nChannel 0: Cool.\n\nChannel 1: I think while I'm still young, it's probably best well, young ish to stay a bit high risk. Would you agree?\n\nChannel 0: Yeah. Look. It's totally about your they call it risk tolerance because it's all about\n\nChannel 1: Yeah.\n\nChannel 0: higher highs and lower lows. The more risky you go, it's gonna higher returns, lower drops, and average out better over the long term.\n\nChannel 1: Yes. Sure. Yes.\n\nChannel 0: Now some people can't handle seeing their super. They watch it every day, and they watch it go up and down,\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: I\n\nChannel 0: they and\n\nChannel 1: know.\n\nChannel 0: they panic.\n\nChannel 1: My mom does that. Oh gosh. Yeah.\n\nChannel 0: Yep. We all we all know people that do it. And\n\nChannel 1: Yep.\n\nChannel 0: if you can remove the emotions, it's great long term. If the emotions are a barrier that's too far, then we need to make adjustments.\n\nChannel 1: Yep. For sure. Yeah. No. Whatever.\n\nI really I get this I get the world and the way these things work and function, so I try not to invest any emotions into the big hits. It's not worth it.\n\nChannel 0: Yeah. Absolutely. So overall, you've got about eight investment options in your super that we've put together as your portfolio, and they're split\n\nChannel 1: Mhmm.\n\nChannel 0: between different sectors. You've got Australian shares, property, gold, international shares, quite diverse range of different assets. Pretty much all of them have been doing really well. Most of the growth\n\nChannel 1: Yep.\n\nChannel 0: has been 10 to 50%, that kind of thing. The only one that's dropped at the moment is your Australian shares in your bet\n\nChannel 1: Yep.\n\nChannel 0: along option, which has gone down a little bit.\n\nChannel 1: Okay.\n\nChannel 0: Now normally, like I said just before, and I'm trying not to contradict myself here, is when the markets go down, we use it as a buying opportunity. We don't panic. Right?\n\nChannel 1: Yep.\n\nChannel 0: On the flip side of things, if there is some options that we don't believe are hitting the benchmarks they should, and what I mean by that is if every other option in that pool is doing 9%, 8%, and this one's only doing two, then we need to make sure we have a flag on it in case there's a problem.\n\nChannel 1: Sure.\n\nChannel 0: In this case, with the Bennelong option, we did flag it twelve months ago, and it hasn't come back to be with the rest of the pack, if that makes sense.\n\nChannel 1: Yep. Sure.\n\nChannel 0: So I would actually be when we look at reducing down your income protection, I wanna put into the same document just a bit of an update on your investment options as well. K? The\n\nChannel 1: Okay.\n\nChannel 0: one question\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna ask you, and this is really just gut\n\nChannel 1: Mhmm.\n\nChannel 0: feeling because I can I'm gonna make a recommendation for you, is\n\nChannel 1: Sure.\n\nChannel 0: if you had to choose between low fees or pay higher fees to get a higher return, which way would you lean?\n\nChannel 1: So if I was to pay more fees to get a higher return, probably that\n\nChannel 0: Or\n\nChannel 1: one.\n\nChannel 0: go towards low fees as an option as well.\n\nChannel 1: Oh, so I have low fees as well as a higher\n\nChannel 0: Yeah. And and that's basically\n\nChannel 1: return?\n\nChannel 0: a bit of a split between two styles. We call them active and passive. And I can find you a good one in either camp. It's really about where you're kind of leaning personally.\n\nChannel 1: So I I think I don't understand. So pay low fees to get a high return or high fees to get a high return. Is that what you said?\n\nChannel 0: Yeah. And I guess the way I would reframe it is if the Australian stock market is consistently doing, let's say, 10% per year as growth,\n\nChannel 1: Mhmm.\n\nChannel 0: you can pay really low fees to get what's called an index fund that just tracks the Australian market in lockstep. It just follows it up\n\nChannel 1: Mhmm.\n\nChannel 0: and down.\n\nChannel 1: Sure.\n\nChannel 0: Or you can pay higher fees for an active manager who tries to pick and choose stocks and try and get you a better return.\n\nChannel 1: Oh my god. I don't know. What do you suggest?\n\nChannel 0: Well, you're\n\nChannel 1: I\n\nChannel 0: currently\n\nChannel 1: actually don't\n\nChannel 0: with\n\nChannel 1: know.\n\nChannel 0: you're currently with an active fund at the moment. And so what I'll\n\nChannel 1: Yeah.\n\nChannel 0: be doing is if you're comfortable with that kind of style that you've already been having, I can keep it in the same style, just find a better fund manager for you.\n\nChannel 1: I think to keep it and, yeah, like you said, find a different fund manager maybe. I I\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: No. That's totally fine. Either way, we're still gonna get you trying the the best outcome that we can, and I\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: mean,\n\nChannel 0: wanna\n\nChannel 1: I\n\nChannel 0: make\n\nChannel 1: feel\n\nChannel 0: sure\n\nChannel 1: like\n\nChannel 0: there's no\n\nChannel 1: that's if I say the lower the lower funds I don't know. Like, I really don't know. Maybe just stick it stick to wait the way it is. I think that's the best bet because I haven't had any issues, I suppose.\n\nChannel 0: No.\n\nChannel 1: What\n\nChannel 0: That's totally\n\nChannel 1: what what's\n\nChannel 0: fine. And\n\nChannel 1: not broken yet?\n\nChannel 0: exactly. And the only reason why I really ask that question is because sometimes when I ask it, people have a very strong feeling or reaction one way or the other where they go, no. No. No.\n\nChannel 1: Right.\n\nChannel 0: No. I I don't like this. I really wanna lower the fees\n\nChannel 1: Oh,\n\nChannel 0: or\n\nChannel 1: gosh.\n\nChannel 0: no. No.\n\nChannel 1: I\n\nChannel 0: No.\n\nChannel 1: wouldn't I I haven't really I couldn't. I don't wanna sound disrespectful or anything, but I I don't care. So I just\n\nChannel 0: That's\n\nChannel 1: like\n\nChannel 0: totally\n\nChannel 1: it's\n\nChannel 0: fine.\n\nChannel 1: really yeah. It's what it is what it is. If you I I'm happy to be kinda led around by you guys with what you guys think is the best option for me. I I don't I'm one of those people that just does not pay attention to what I cannot control.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, that that's kinda my motto.\n\nChannel 0: So at the end of the day, you really just want to make sure it's well looked\n\nChannel 1: Exactly.\n\nChannel 0: after.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Easy done. So what I'll do is I will go through and do some like for like replacements for you. I've already got one in mind that I'm gonna research.\n\nChannel 1: Sure. Awesome.\n\nChannel 0: We've already been speaking with the investment committee. We flagged this issue towards Christmas time. We've already got three or four options on the table. I\n\nChannel 1: Okay.\n\nChannel 0: will basically research them, put them in a document for you with that reduction for the insurance, and\n\nChannel 1: Thank\n\nChannel 0: I'll\n\nChannel 1: you.\n\nChannel 0: get that through to you so you can see what the new plan is.\n\nChannel 1: Sure. Sounds good. I mean, you always get what you pay for at the end of the day, what what I say. So if I'm spending a bit more\n\nChannel 0: Okay.\n\nChannel 1: money yeah. I don't know. It just seems a bit more reassuring. I don't know. I haven't had any issues, so why change what's not broken?\n\nSo, yes, go\n\nChannel 0: No.\n\nChannel 1: for\n\nChannel 0: That's perfect. And, look, half the people I talk to, they\n\nChannel 1: it.\n\nChannel 0: say you get what you pay for. The other half\n\nChannel 1: Yep.\n\nChannel 0: go, all I care about is cost. Please keep it as minimal as possible,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Got\n\nChannel 0: we\n\nChannel 1: it.\n\nChannel 0: just\n\nChannel 1: Got\n\nChannel 0: tailor\n\nChannel 1: it.\n\nChannel 0: it to\n\nChannel 1: Of\n\nChannel 0: the\n\nChannel 1: course.\n\nChannel 0: person.\n\nChannel 1: Yeah. Makes sense.\n\nChannel 0: Easy done. So I will put together this bit of a plan. I'll get some alteration quotes for your insurance and a portfolio\n\nChannel 1: Thank you.\n\nChannel 0: update.\n\nChannel 1: Yep.\n\nChannel 0: From that point, once we've done the research and everything, the team will get you booked in to go through the updated document with me. I know you're probably just, like, looking for that guidance, but I just wanna make sure that what we're doing makes sense and that\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: appreciate\n\nChannel 0: kind of\n\nChannel 1: that.\n\nChannel 0: sign\n\nChannel 1: Yeah. No.\n\nChannel 0: off\n\nChannel 1: That's\n\nChannel 0: on\n\nChannel 1: good.\n\nChannel 0: it\n\nChannel 1: It's\n\nChannel 0: if that\n\nChannel 1: good\n\nChannel 0: makes\n\nChannel 1: to\n\nChannel 0: sense.\n\nChannel 1: have these chats, fluid chats about it's it's very educational for me, but I also it blows my mind as well. So yeah. No. It's\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: Cool. So I'll go away and do that. Is there anything else\n\nChannel 1: Thank\n\nChannel 0: in\n\nChannel 1: you.\n\nChannel 0: particular going on that you would like to talk about\n\nChannel 1: Well,\n\nChannel 0: for this review?\n\nChannel 1: I have a question, and it's just\n\nChannel 0: Mhmm.\n\nChannel 1: because it's popped up in the last few few weeks with my business insurance. Obviously, I've gotta have, you know, PIPL insurances, But something that's come up is workers' compensation insurance. And I wondered if that would somehow I don't wanna double up on insurances of for obvious reasons. They're very expensive. But is it something that's covered in one of the insurances I have at the moment?\n\nOr is because or is it just, like, kind of a separate thing because I'm a company now?\n\nChannel 0: Oh, yes. That's a great question. So when it comes to personal income protection, they cover\n\nChannel 1: Yep.\n\nChannel 0: you for things usually outside of work because workers' compensation's for at work.\n\nChannel 1: Work. Yeah.\n\nChannel 0: And I\n\nChannel 1: Correct.\n\nChannel 0: think there is an expectation that the employer does have that in place, which in this\n\nChannel 1: Of\n\nChannel 0: case\n\nChannel 1: course.\n\nChannel 0: itself. And\n\nChannel 1: Yep.\n\nChannel 0: then anything that happens outside of work, this can kick in. I have seen scenarios where people get workers' compensation. It ended after two years, and\n\nChannel 1: Yep.\n\nChannel 0: then their\n\nChannel 1: Yep.\n\nChannel 0: income protection clicked in on the back end of it as well.\n\nChannel 1: Got it. Yes. And I think I I've just answered my own question really because I work for myself. If something was to happen, god forbid, touch wood, at work, my income protection would cover me. I don't think I need to get workers' comp until I have employees, which I don't have right now.\n\nSo that answered that question in my brain now. Got it.\n\nChannel 0: Perfect. And, again,\n\nChannel 1: Yep.\n\nChannel 0: as always with these things, just double check with the accountant to make sure there's no rule where you have to put it in place or anything like that,\n\nChannel 1: Great.\n\nChannel 0: but\n\nChannel 1: Yep.\n\nChannel 0: you do have that protection there as well.\n\nChannel 1: Brilliant. That sounds good. Thank you.\n\nChannel 0: Perfect. So what I'll do is I'm going to shoot you through this annual review pack. It's going to include an updated financial services guide with us, which is our license information and protection details.\n\nChannel 1: Mhmm.\n\nChannel 0: It will have your performance report, your certificate of currency for the insurance policy.\n\nChannel 1: Mhmm.\n\nChannel 0: If anything happens to you, we do do claims assistance. So let's say, god forbid, something did happen. You not that we would wanna be the first person you talk to in a major event, but let us know, and we can help you through the claims process as well.\n\nChannel 1: Okay. Great. Sounds good.\n\nChannel 0: Perfect. We've got the ongoing service agreement that I've refreshed there as well. I wanted to ask you because your review was coming up in May, are you comfortable for us to put this plan in place and let it run for the next twelve months or so? How would\n\nChannel 1: Yeah.\n\nChannel 0: you prefer\n\nChannel 1: Sure.\n\nChannel 0: that to work?\n\nChannel 1: Yeah. No. That's fine. That's not a drama at all.\n\nChannel 0: Easy done. So I'll shoot that through to you now. There's a couple\n\nChannel 1: Mhmm.\n\nChannel 0: of other little bibs and bobs there. Just curiosity pieces about markets and stock markets and things like that. If you're\n\nChannel 1: Yep.\n\nChannel 0: curious, you can have a look, but, again, I'll put in place an updated plan anyway.\n\nChannel 1: Yep. Alright. Sounds wonderful. Thank you.\n\nChannel 0: Awesome. Kelly, do you have any questions for me at this point?\n\nChannel 1: Nope. That's it. Thank you. I just had that workers' comp question. That's great.\n\nChannel 0: Amazing. And, again, I've never seen the the other way around where the\n\nChannel 1: Yes.\n\nChannel 0: income\n\nChannel 1: Yep.\n\nChannel 0: protection covers someone for the work injuries. I'm gonna find out, though, and ask around just in case, and I'll let you know.\n\nChannel 1: Sure. Yeah. Yeah. No stress at all. Yeah.\n\nJust something that keeps popping up, like, with my insurance broker and my accountant. They're asking lots of questions about it's always coming back to the workers' comp because I'm in that high risk industry.\n\nChannel 0: Yeah.\n\nChannel 1: But I also think because I'm the director of the company and I'm my only employee, if anything was to happen, it would be it it would be more if I had employees that I think the workers' comp is imperative. But\n\nChannel 0: Yeah.\n\nChannel 1: at this point, I'm not too fussed about it. But, yeah, if\n\nChannel 0: Okay.\n\nChannel 1: you have a conversation, sounds good.\n\nChannel 0: Easy done. And what I'll do too is when we get that quote to trim down the income protection to the right amount, I\n\nChannel 1: Yep.\n\nChannel 0: will factor that into the projection for the super just to show you the difference that I'll make as well.\n\nChannel 1: Mhmm. K. Great. Sounds good.\n\nChannel 0: Cool. Kelly, last question I've got for you is there is a fourth type of policy. And I know you were just saying you don't wanna get workers' compensation, but you don't have a trauma policy. Do you remember what that one does?\n\nChannel 1: No.\n\nChannel 0: So the quickest way I can explain it is you've got life insurance, you pass away, there's a lump sum.\n\nChannel 1: Mhmm.\n\nChannel 0: Total disability is when you can never work again, there's a lump sum. Temporary disability is your income protection. You're out of work\n\nChannel 1: Mhmm.\n\nChannel 0: for three\n\nChannel 1: Yes.\n\nChannel 0: months, six months, nine months, here's your income replacement. Trauma\n\nChannel 1: Mhmm.\n\nChannel 0: is the fourth one where they say, okay. You've been diagnosed with, like, a heart attack, stroke, cancer. Maybe you're not fully disabled from it. Maybe you've gone back to work the next week after having a heart attack. It happens.\n\nBut there's\n\nChannel 1: Uh-huh.\n\nChannel 0: a lump sum to cover medical costs or staying home and, you know, your partner being able to look after you for twelve months, that kind of thing.\n\nChannel 1: So\n\nChannel 0: But you\n\nChannel 1: yes.\n\nChannel 0: can only pay for that one out of pocket. So I do have to ask the question if you wanted me to get a quote for that or if you would prefer just the\n\nChannel 1: I\n\nChannel 0: three that you've got.\n\nChannel 1: think I'll stick with the three I've got. I've come this far without it.\n\nChannel 0: Mhmm. No. That's totally fine. It's just one of those there's a risk there because that's something that's not covered. I just wanted to\n\nChannel 1: Yep.\n\nChannel 0: let you know that it's an option.\n\nChannel 1: So yeah. No. I think I'll think about it, though, but I think at this stage, it's not really necessary.\n\nChannel 0: Easy done. And when we go through that advice document, if you're curious and wanna get a quote afterwards or even next year, we can always do that for you.\n\nChannel 1: Sure. Sounds good.\n\nChannel 0: Perfect. Now, Kelly, that email is through to you now. I'm just gonna double check that's going through to your Gmail.\n\nChannel 1: Yep. I'll just jump on and have a quick look if you like. Mhmm.\n\nChannel 0: Now when it comes through for the system that we're currently using, we're using something called OdooSign, which we've purpose built\n\nChannel 1: Yep.\n\nChannel 0: for Oakview. And it allows you, like, an email to view the attachments just like any other email, but there's also a link for the digital signing as well. So I just wanna let you know it's\n\nChannel 1: Okay.\n\nChannel 0: separate.\n\nChannel 1: Great.\n\nChannel 0: You've got attachments,\n\nChannel 1: Yep.\n\nChannel 0: and then you've got a signing link as well.\n\nChannel 1: Sure.\n\nChannel 0: Now just\n\nChannel 1: Hasn't\n\nChannel 0: bear\n\nChannel 1: come\n\nChannel 0: in mind\n\nChannel 1: through\n\nChannel 0: that\n\nChannel 1: yet, but I'm sure it's not\n\nChannel 0: it can\n\nChannel 1: far\n\nChannel 0: sometimes\n\nChannel 1: away.\n\nChannel 0: take up to nine minutes, I've found.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: no worries. That's fine.\n\nChannel 0: I'll\n\nChannel 1: Yeah.\n\nChannel 0: let that come through in its own time.\n\nChannel 1: Sure.\n\nChannel 0: With our service agreement, so, again, our fees that we charge through the super, that's 1.65%, and that's capped\n\nChannel 1: Mhmm.\n\nChannel 0: when you get to 600,000 because, obviously,\n\nChannel 1: Yep.\n\nChannel 0: clients with a million, $2,000,000, you can't charge $3,040,000 for the same service. We're good\n\nChannel 1: Yep.\n\nChannel 0: at what we do, but we do put caps on the fees as well.\n\nChannel 1: Sure.\n\nChannel 0: Awesome. If at any point you do have any other types of accounts, investment\n\nChannel 1: Sure.\n\nChannel 0: accounts, pension accounts later down the road, Hub twenty four lets you link them to reduce the fees as well.\n\nChannel 1: Okay. Great.\n\nChannel 0: Cool. Is there anything else that we need to look at for you over the next few years? Because I know you're focusing so much on the business and paying down the mortgage. Are you looking to get other properties, do some investing, anything I need\n\nChannel 1: Not\n\nChannel 0: to note down?\n\nChannel 1: at not for the next couple of years. We'll we'll review what maybe in two. We just wanna smash the mortgage and then definitely look at what our options are with with our leftover money if we won't have a mortgage anymore. So, you know, we definitely wanna invest it in something, but we're just not sure what that would look like yet.\n\nChannel 0: Perfect. So if you're okay for me to put this down then, I'll say the priority\n\nChannel 1: Yeah.\n\nChannel 0: for the next few years is to pay off the mortgage. We will look\n\nChannel 1: Yeah.\n\nChannel 0: at the superannuation based on just what you're putting in through the employer contributions. We won't look\n\nChannel 1: Yep.\n\nChannel 0: at any salary sacrifice or additional ones. And then\n\nChannel 1: Mhmm.\n\nChannel 0: once the mortgage is done, we can look at super, investing, anything you might wanna do after that.\n\nChannel 1: Yep. Sounds perfect.\n\nChannel 0: Perfect. Alrighty. That's pretty much everything for me. Any questions, Kelly?\n\nChannel 1: All good. No. Not not not anymore.\n\nChannel 0: Amazing. Amazing. Thank you so much for your time today. If you have any trouble with that Odoo email, please just give us a call, and the team will help you through.\n\nChannel 1: Awesome. Thank you so much.\n\nChannel 0: You're most welcome, and I will talk to you in a few weeks.\n\nChannel 1: Sounds good. Talk to you then.\n\nChannel 0: Thanks, Kelly. Bye.\n\nChannel 1: Okay. See you. 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things work and function, so I try not to invest any emotions into the big hits.","start":1142.4701,"end":1152.045,"sentiment":"neutral","sentiment_score":-0.1288645177565772},{"text":"It's not worth it.","start":1152.045,"end":1153.265,"sentiment":"negative","sentiment_score":-0.63149394094944}],"sentiment":"neutral","sentiment_score":-0.18978929632540906,"channel":1,"num_words":33,"start":1142.4701,"end":1153.265},{"sentences":[{"text":"Yeah.","start":1153.56,"end":1153.88,"sentiment":"neutral","sentiment_score":0.15389159321784973},{"text":"Absolutely.","start":1153.88,"end":1154.38,"sentiment":"neutral","sentiment_score":0.2842799425125122},{"text":"So overall, you've got about eight investment options in your super that we've put together as your portfolio, and they're 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well.","start":1920.21,"end":1927.03,"sentiment":"neutral","sentiment_score":0.2636179469525814}],"sentiment":"neutral","sentiment_score":0.2636179469525814,"channel":0,"num_words":20,"start":1920.21,"end":1927.03},{"sentences":[{"text":"Okay.","start":1927.4601,"end":1927.86,"sentiment":"positive","sentiment_score":0.34302592277526855},{"text":"Great.","start":1927.86,"end":1928.36,"sentiment":"positive","sentiment_score":0.6016446352005005}],"sentiment":"positive","sentiment_score":0.4723352789878845,"channel":1,"num_words":2,"start":1927.4601,"end":1928.36},{"sentences":[{"text":"Cool.","start":1928.865,"end":1929.365,"sentiment":"positive","sentiment_score":0.47830671072006226},{"text":"Is there anything else that we need to look at for you over the next few years?","start":1929.665,"end":1932.625,"sentiment":"neutral","sentiment_score":0.2240152797278236},{"text":"Because I know you're focusing so much on the business and paying down the mortgage.","start":1932.625,"end":1935.925,"sentiment":"neutral","sentiment_score":0.07969399591286977},{"text":"Are you looking to get other properties, do some investing, anything I need","start":1936.625,"end":1940.305,"sentiment":"neutral","sentiment_score":0.05795136710199026}],"sentiment":"neutral","sentiment_score":0.13555096037199962,"channel":0,"num_words":46,"start":1928.865,"end":1940.305},{"sentences":[{"text":"Not","start":1940.175,"end":1940.675,"sentiment":"neutral","sentiment_score":-0.03680509328842163}],"sentiment":"neutral","sentiment_score":-0.03680509328842163,"channel":1,"num_words":1,"start":1940.175,"end":1940.675},{"sentences":[{"text":"to note down?","start":1940.305,"end":1941.18,"sentiment":"neutral","sentiment_score":-0.10024605691432953}],"sentiment":"neutral","sentiment_score":-0.10024605691432953,"channel":0,"num_words":3,"start":1940.305,"end":1941.18},{"sentences":[{"text":"at not for the next couple of years.","start":1942.015,"end":1944.0951,"sentiment":"neutral","sentiment_score":-0.1357782119885087},{"text":"We'll we'll review what maybe in two.","start":1944.0951,"end":1945.935,"sentiment":"neutral","sentiment_score":0.005806729197502136},{"text":"We just wanna smash the mortgage and then definitely look at what our options are with with our leftover money if we won't have a mortgage anymore.","start":1945.935,"end":1953.135,"sentiment":"neutral","sentiment_score":0.07858624297228677},{"text":"So, you know, we definitely wanna invest it in something, but we're just not sure what that would look like yet.","start":1953.135,"end":1958.37,"sentiment":"neutral","sentiment_score":0.04724832340365365}],"sentiment":"neutral","sentiment_score":0.032832773971474834,"channel":1,"num_words":63,"start":1942.015,"end":1958.37},{"sentences":[{"text":"Perfect.","start":1958.6349,"end":1959.115,"sentiment":"positive","sentiment_score":0.5430039167404175},{"text":"So if you're okay for me to put this down then, I'll say the priority","start":1959.115,"end":1962.3949,"sentiment":"neutral","sentiment_score":0.16372658212979635}],"sentiment":"neutral","sentiment_score":0.18743141554296017,"channel":0,"num_words":16,"start":1958.6349,"end":1962.3949},{"sentences":[{"text":"Yeah.","start":1962.1901,"end":1962.6901,"sentiment":"neutral","sentiment_score":0.06984115391969681}],"sentiment":"neutral","sentiment_score":0.06984115391969681,"channel":1,"num_words":1,"start":1962.1901,"end":1962.6901},{"sentences":[{"text":"for the next few years is to pay off the mortgage.","start":1962.3949,"end":1964.735,"sentiment":"neutral","sentiment_score":0.03521265258843249},{"text":"We will look","start":1964.955,"end":1965.5149,"sentiment":"neutral","sentiment_score":0.05407648906111717}],"sentiment":"neutral","sentiment_score":0.03925490326115063,"channel":0,"num_words":14,"start":1962.3949,"end":1965.5149},{"sentences":[{"text":"Yeah.","start":1965.47,"end":1965.855,"sentiment":"neutral","sentiment_score":0.0527857281267643}],"sentiment":"neutral","sentiment_score":0.0527857281267643,"channel":1,"num_words":1,"start":1965.47,"end":1965.855},{"sentences":[{"text":"at the superannuation based on just what you're putting in through the employer contributions.","start":1965.5149,"end":1970.12,"sentiment":"neutral","sentiment_score":0.10193157036389623},{"text":"We won't look","start":1970.5801,"end":1971.14,"sentiment":"neutral","sentiment_score":0.017801403688887756}],"sentiment":"neutral","sentiment_score":0.08708507036242415,"channel":0,"num_words":17,"start":1965.5149,"end":1971.14},{"sentences":[{"text":"Yep.","start":1971.135,"end":1971.635,"sentiment":"neutral","sentiment_score":0.003304553683847189}],"sentiment":"neutral","sentiment_score":0.003304553683847189,"channel":1,"num_words":1,"start":1971.135,"end":1971.635},{"sentences":[{"text":"at any salary sacrifice or additional ones.","start":1971.14,"end":1974.2001,"sentiment":"neutral","sentiment_score":-0.04039106677685465},{"text":"And then","start":1974.5,"end":1975.16,"sentiment":"neutral","sentiment_score":0.03473482467234135}],"sentiment":"neutral","sentiment_score":-0.023696424232588872,"channel":0,"num_words":9,"start":1971.14,"end":1975.16},{"sentences":[{"text":"Mhmm.","start":1974.735,"end":1975.235,"sentiment":"neutral","sentiment_score":0.02159522846341133}],"sentiment":"neutral","sentiment_score":0.02159522846341133,"channel":1,"num_words":1,"start":1974.735,"end":1975.235},{"sentences":[{"text":"once the mortgage is done, we can look at super, investing, anything you might wanna do after that.","start":1975.22,"end":1979.9601,"sentiment":"neutral","sentiment_score":0.05758385267108679}],"sentiment":"neutral","sentiment_score":0.05758385267108679,"channel":0,"num_words":18,"start":1975.22,"end":1979.9601},{"sentences":[{"text":"Yep.","start":1980.335,"end":1980.81,"sentiment":"neutral","sentiment_score":0.22870610654354095},{"text":"Sounds perfect.","start":1981.05,"end":1981.79,"sentiment":"positive","sentiment_score":0.6884217858314514}],"sentiment":"positive","sentiment_score":0.5351832260688146,"channel":1,"num_words":3,"start":1980.335,"end":1981.79},{"sentences":[{"text":"Perfect.","start":1982.675,"end":1983.155,"sentiment":"positive","sentiment_score":0.7033618688583374},{"text":"Alrighty.","start":1983.155,"end":1983.635,"sentiment":"positive","sentiment_score":0.5763829350471497},{"text":"That's pretty much everything for me.","start":1983.635,"end":1985.155,"sentiment":"positive","sentiment_score":0.6085610389709473},{"text":"Any questions, Kelly?","start":1985.155,"end":1986.2151,"sentiment":"neutral","sentiment_score":0.2324394186337789}],"sentiment":"positive","sentiment_score":0.5116753903302279,"channel":0,"num_words":11,"start":1982.675,"end":1986.2151},{"sentences":[{"text":"All good.","start":1986.81,"end":1987.3701,"sentiment":"positive","sentiment_score":0.3737579584121704},{"text":"No.","start":1987.3701,"end":1987.6901,"sentiment":"neutral","sentiment_score":-0.07594781368970871},{"text":"Not not not anymore.","start":1987.6901,"end":1989.15,"sentiment":"neutral","sentiment_score":-0.2252991572022438}],"sentiment":"neutral","sentiment_score":-0.03280407509633473,"channel":1,"num_words":7,"start":1986.81,"end":1989.15},{"sentences":[{"text":"Amazing.","start":1990.355,"end":1990.755,"sentiment":"positive","sentiment_score":0.5190350413322449},{"text":"Amazing.","start":1990.755,"end":1991.235,"sentiment":"positive","sentiment_score":0.6351410746574402},{"text":"Thank you so much for your time today.","start":1991.235,"end":1992.93,"sentiment":"positive","sentiment_score":0.7743324190378189},{"text":"If you have any trouble with that Odoo email, please just give us a call, and the team will help you through.","start":1993.01,"end":1998.7101,"sentiment":"neutral","sentiment_score":0.2706235166300427}],"sentiment":"positive","sentiment_score":0.41570477606728673,"channel":0,"num_words":32,"start":1990.355,"end":1998.7101},{"sentences":[{"text":"Awesome.","start":1999.405,"end":1999.885,"sentiment":"positive","sentiment_score":0.7337544560432434},{"text":"Thank you so much.","start":1999.885,"end":2001.025,"sentiment":"positive","sentiment_score":0.7993979007005692}],"sentiment":"positive","sentiment_score":0.786269211769104,"channel":1,"num_words":5,"start":1999.405,"end":2001.025},{"sentences":[{"text":"You're most welcome, and I will talk to you in a few weeks.","start":2001.7109,"end":2004.931,"sentiment":"positive","sentiment_score":0.5408697655567756}],"sentiment":"positive","sentiment_score":0.5408697655567756,"channel":0,"num_words":13,"start":2001.7109,"end":2004.931},{"sentences":[{"text":"Sounds good.","start":2005.2909,"end":2005.851,"sentiment":"positive","sentiment_score":0.6831637024879456},{"text":"Talk to you then.","start":2005.851,"end":2006.9109,"sentiment":"positive","sentiment_score":0.4843897968530655}],"sentiment":"positive","sentiment_score":0.5506477653980255,"channel":1,"num_words":6,"start":2005.2909,"end":2006.9109},{"sentences":[{"text":"Thanks, Kelly.","start":2006.991,"end":2007.791,"sentiment":"positive","sentiment_score":0.6044946312904358},{"text":"Bye.","start":2007.791,"end":2008.291,"sentiment":"positive","sentiment_score":0.3730646073818207}],"sentiment":"positive","sentiment_score":0.5273512899875641,"channel":0,"num_words":3,"start":2006.991,"end":2008.291},{"sentences":[{"text":"Okay.","start":2008.2509,"end":2008.6509,"sentiment":"neutral","sentiment_score":0.2462843656539917},{"text":"See you.","start":2008.6509,"end":2009.1309,"sentiment":"neutral","sentiment_score":0.28976212441921234},{"text":"Bye bye.","start":2009.1309,"end":2009.8708,"sentiment":"neutral","sentiment_score":0.02887919545173645}],"sentiment":"neutral","sentiment_score":0.17671340107917785,"channel":1,"num_words":5,"start":2008.2509,"end":2009.8708}]},"summary":{"result":"success","short":"Kelly's agent, Kelly, discusses her recent income and liabilities, home and other assets, mortgage, and life insurance policies with the customer. They update personal details and discuss income protection and retirement plans. The agent emphasizes the importance of managing risk levels and reducing risk levels for long-term success, and offers to provide a quote for a lower fee or higher fees. The customer is advised on finding a better fund manager and the importance of staying comfortable with risk tolerance. The call ends with the representative thanking the customer and reminding them to call if they have any questions."},"intents":{"segments":[{"text":"we we kind of bring it forward just a little bit because your your services with us refresh on around about the May 24. But Okay.","start_word":279,"end_word":304,"intents":[{"intent":"Refresh services","confidence_score":0.0068504116}]},{"text":"The main thing that we do is I wanted to just go through and update your details to see if there's been any significant changes since we last spoke, and Mhmm. then just give you a bit of an update on the super and see if we need to change anything with that or your Sure.","start_word":423,"end_word":478,"intents":[{"intent":"Update information","confidence_score":0.02958927},{"intent":"Update information","confidence_score":0.0016556501}]},{"text":"So with the company, are you now employed by your company earning wages? Correct. Yes.","start_word":513,"end_word":527,"intents":[{"intent":"Verify employment","confidence_score":0.0017022656},{"intent":"Clarify previous employment","confidence_score":0.00056603865},{"intent":"Clarify current employment status","confidence_score":0.0005965182}]},{"text":"my company is called Inner Growth with Kelly, and that my accountant sent my first contribution through yesterday. Oh, amazing.","start_word":606,"end_word":625,"intents":[{"intent":"Confirm contribution","confidence_score":0.037407998}]},{"text":"With your wages from the company, we I think our last income, we had you earning around about 150,000.","start_word":671,"end_word":689,"intents":[{"intent":"Clarify income","confidence_score":0.003899402}]},{"text":"time we checked, you didn't have, like, a will or power of attorney in place. Did you end up getting that sorted?","start_word":1669,"end_word":1690,"intents":[{"intent":"Organize estate planning","confidence_score":0.010531956}]},{"text":"So I'll put a note down that you're gonna talk to them about the wills and the power of attorneys and everything Yes. like that.","start_word":1766,"end_word":1790,"intents":[{"intent":"Provide update on wills and power of attorneys","confidence_score":0.0010685364},{"intent":"Discuss wills and power of attorneys","confidence_score":0.14484294}]},{"text":"So I'll put a note down that you're gonna talk to them about the wills and the power of attorneys and everything Yes. like that. So Indeed. that is fantastic. I'm just gonna have a quick look at your beneficiary details for your super, make sure that's all looking good. We did Mhmm.","start_word":1766,"end_word":1818,"intents":[{"intent":"Review beneficiaries and wills","confidence_score":0.00001051335}]},{"text":"You do have as well a life insurance policy that I wanted to talk to you about because you did just have an anniversary, and Yep. it changes every year. So I wanna make sure that's still okay. Yep.","start_word":1942,"end_word":1980,"intents":[{"intent":"Discuss life insurance policy policy details","confidence_score":0.0000207285}]},{"text":"Or if you pass away or can never work again, it's Mhmm. a million and $50,000 as a lump sum. So what I Right.","start_word":1997,"end_word":2020,"intents":[{"intent":"Confirm lump sum","confidence_score":0.013170179}]},{"text":"wanted to ask you is because your mortgage is down so low, let's say that comes out and it pays off the mortgage and you're left with 8 or 900,000 for the family plus the super on top, kinda gets you close to that million dollars for them. Mhmm.","start_word":2022,"end_word":2070,"intents":[{"intent":"Inquire about income coverage","confidence_score":0.0015813827}]},{"text":"I wanna make sure Corey could just with the world at the minute, like, that he was financially stable and getting on his feet. Yeah.","start_word":2109,"end_word":2133,"intents":[{"intent":"Provide financial support","confidence_score":0.0021611955}]},{"text":"When it comes to your income protection, so you have income protection if you're out of work for more than a month. They will Yes.","start_word":2323,"end_word":2347,"intents":[{"intent":"Discuss income protection","confidence_score":0.036214005}]},{"text":"When it comes to your income protection, so you have income protection if you're out of work for more than a month. They will Yes. give you monthly income replacement for up to five years. Right.","start_word":2323,"end_word":2358,"intents":[{"intent":"Encourage income replacement","confidence_score":0.00021370106}]},{"text":"give you monthly income replacement for up to five years. Right.","start_word":2348,"end_word":2358,"intents":[{"intent":"Discuss monthly income","confidence_score":0.013310576}]},{"text":"Now your sum insured is 10,794 per month because the maximum is between 7075% depending on when the policy came out.","start_word":2360,"end_word":2380,"intents":[{"intent":"Confirm insurance plan","confidence_score":0.000063791944}]},{"text":"So what I would think of doing is sometimes they can incorporate a bit of your super contributions on top to close the gap, Yep. which if I go a 150,000 and add on super, that's a 168,000. So either way, you're still over insured for the income protection. Okay.","start_word":2488,"end_word":2537,"intents":[{"intent":"Incorporate super contributions","confidence_score":0.0039055215}]},{"text":"So what I would like to do potentially is I will Yep. get an alteration quote through for a little Okay.","start_word":2547,"end_word":2567,"intents":[{"intent":"Adjust policy","confidence_score":0.0018393204}]},{"text":"bit of a trim down just to save you a bit on the premiums. Yep.","start_word":2568,"end_word":2582,"intents":[{"intent":"Calculate premiums","confidence_score":0.050156936},{"intent":"Remind about cost savings","confidence_score":0.0000086742875}]},{"text":"if you were to claim tomorrow, you would be paying more for what you couldn't get. Okeydoke.","start_word":2608,"end_word":2624,"intents":[{"intent":"Determine future payment","confidence_score":0.00012674523}]},{"text":"The only thing I'm looking at your portfolio, you're in a high growth. So 90 Yep. percent in growth assets, shares, property, and so on. Okay.","start_word":2737,"end_word":2762,"intents":[{"intent":"Analyze portfolio growth","confidence_score":0.12230229}]},{"text":"So when we think of what to do, we wanna make sure that all the investments are good quality. And then when the market goes down, your contributions are going in, and we get to kind of use it as a buying opportunity. The properties and companies go down in value. You get to buy more of them. And then when the stock market goes up, you get a big return on the way up. Right.","start_word":3062,"end_word":3137,"intents":[{"intent":"Maximize investments","confidence_score":0.007119776}]},{"text":"So I would actually be when we look at reducing down your income protection, I wanna put into the same document just a bit of an update on your investment options as well. K?","start_word":3677,"end_word":3710,"intents":[{"intent":"Discuss investment options","confidence_score":0.013860357}]},{"text":"if you had to choose between low fees or pay higher fees to get a higher return, which way would you lean?","start_word":3739,"end_word":3760,"intents":[{"intent":"Recommend low fees","confidence_score":0.30954388},{"intent":"Express preference for low fees","confidence_score":0.023440596},{"intent":"Discuss preference for low fees","confidence_score":0.08676838},{"intent":"Address preference for low fees","confidence_score":0.0007696103},{"intent":"Discuss fund management preference","confidence_score":0.00002804911}]},{"text":"No. I I don't like this. I really wanna lower the fees Oh, or gosh.","start_word":4156,"end_word":4170,"intents":[{"intent":"Evaluate financial options","confidence_score":0.014615143}]},{"text":"I have a question, and it's just Mhmm. because it's popped up in the last few few weeks with my business insurance. Obviously, I've gotta have, you know, PIPL insurances, But something that's come up is workers' compensation insurance. And I wondered if that would somehow I don't wanna double up on insurances of for obvious reasons. They're very expensive.","start_word":4649,"end_word":4708,"intents":[{"intent":"Consider insurance usage","confidence_score":0.000015123736}]},{"text":"But is it something that's covered in one of the insurances I have at the moment? Or is because or is it just, like, kind of a separate thing because I'm a company now? Oh, yes.","start_word":4710,"end_word":4745,"intents":[{"intent":"Clarify company coverage","confidence_score":0.00031941966},{"intent":"Clarify employment status","confidence_score":0.000097273754}]},{"text":"So when it comes to personal income protection, they cover Yep. you for things usually outside of work because workers' compensation's for at work. Work.","start_word":4749,"end_word":4773,"intents":[{"intent":"Ask about income protection coverage","confidence_score":0.009082984}]},{"text":"think there is an expectation that the employer does have that in place, which in this case Of course.","start_word":4778,"end_word":4796,"intents":[{"intent":"Identify employer's obligation","confidence_score":0.000041581243}]},{"text":"So what I'll do is I'm going to shoot you through this annual review pack. It's going to include an updated financial services guide with us, which is our license information and protection details. Mhmm.","start_word":4959,"end_word":4993,"intents":[{"intent":"Update financial services guide","confidence_score":0.05511659}]},{"text":"If anything happens to you, we do do claims assistance. So let's say, god forbid, something did happen. You not that we would wanna be the first person you talk to in a major event, but let us know, and we can help you through the claims process as well. Okay.","start_word":5009,"end_word":5059,"intents":[{"intent":"Offer assistance with claims process","confidence_score":0.007063873}]},{"text":"Kelly, last question I've got for you is there is a fourth type of policy. And I know you were just saying you don't wanna get workers' compensation, but you don't have a trauma policy. Do you remember what that one does?","start_word":5411,"end_word":5452,"intents":[{"intent":"Explain insurance policies","confidence_score":0.023461264}]},{"text":"So I do have to ask the question if you wanted me to get a quote for that or if you would prefer just the I three that you've got.","start_word":5597,"end_word":5626,"intents":[{"intent":"Get a quote","confidence_score":0.17813767},{"intent":"Get a quote","confidence_score":0.24229582}]},{"text":"We'll we'll review what maybe in two. We just wanna smash the mortgage and then definitely look at what our options are with with our leftover money if we won't have a mortgage anymore.","start_word":6035,"end_word":6068,"intents":[{"intent":"Review options","confidence_score":0.2975201}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Kelly.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.3669775426387787},{"text":"It's Tommy here, senior adviser. How are you doing?","start_word":3,"end_word":11,"sentiment":"neutral","sentiment_score":0.2722631096839905},{"text":"Oh, good. Thank you.","start_word":12,"end_word":15,"sentiment":"positive","sentiment_score":0.42506417632102966},{"text":"I'm so sorry I just That is totally missed fine.","start_word":16,"end_word":25,"sentiment":"neutral","sentiment_score":-0.009748888202011584},{"text":"I'm so glad you called you.","start_word":26,"end_word":31,"sentiment":"positive","sentiment_score":0.5813625454902649},{"text":"back in. I was just about to send you Of a message, course.","start_word":32,"end_word":44,"sentiment":"neutral","sentiment_score":0.0785110592842102},{"text":"but thank you for that.","start_word":45,"end_word":49,"sentiment":"positive","sentiment_score":0.359367698431015},{"text":"Oh, no. I was on the other phone, so I was trying to get off one and get on the other. So, yes, all good. Oh, no worries at all. A bit of a busy day. Jordan One did of those let me days. know that you needed to bring it forward a little bit because your Yeah.","start_word":50,"end_word":107,"sentiment":"neutral","sentiment_score":0.04726216569542885},{"text":"afternoon Thank you is for chockablock. accommodating that.","start_word":108,"end_word":115,"sentiment":"positive","sentiment_score":0.41376230120658875},{"text":"Yeah. That's no worries at all. No worries Cool. at all. I have some information here just about your inquiry for the super, and I wanted to kind of talk to you a bit about that and a few other things as well if we do have a few minutes. How Yep. long do Of I have you for today? course. Like, I'm free now till three. My next meeting starts at three. That's why I thought bumping it forward would be better. Yeah.","start_word":116,"end_word":199,"sentiment":"neutral","sentiment_score":0.11539871245622636},{"text":"Perfect.","start_word":200,"end_word":200,"sentiment":"positive","sentiment_score":0.3496119976043701},{"text":"That's plenty of time. And just briefly as well, so with your your main inquiry, I think there was a note here around one of the investment options in the super. Is that correct? No. I didn't have any inquiries. Someone just called me last week and said I needed to book in a, like, a review or a check check-in on how things are traveling. Oh, yes. Annual review. So Yes. Something reason like that. why Yeah. we we kind of bring it forward just a little bit because your your services with us refresh on around about the May 24. But Okay. as you've probably seen in the news that the wealth's kind of on fire at the moment, so Oh, man. Isn't wanted it? to, Yes. yeah, we wanted to catch you just a little bit earlier just to go through a couple of things just so you're not blindsided with what's going on and Of just course. sort Yes. of see if there's anything we need to fix up. Yep. Of course.","start_word":201,"end_word":376,"sentiment":"neutral","sentiment_score":0.01228342642901804},{"text":"Perfect.","start_word":377,"end_word":377,"sentiment":"positive","sentiment_score":0.6372759342193604},{"text":"So what I'll do, I do have, like, an annual review pack that I've prepared. If you are comfortable for that review, I'll shoot Yeah. that through after this call, and you can have a look at it, make sure you're comfortable with everything. Sure. The main thing that we do is I wanted to just go through and update your details to see if there's been any significant changes since we last spoke, and Mhmm. then just give you a bit of an update on the super and see if we need to change anything with that or your Sure. attached insurance policy. Yes.","start_word":378,"end_word":482,"sentiment":"neutral","sentiment_score":0.13457120954990387},{"text":"Brilliant. Good timing.","start_word":483,"end_word":485,"sentiment":"positive","sentiment_score":0.44892406463623047},{"text":"Yeah. I have changed from a sole trader to a company, Proprietary Limited now, so that's Okay. probably the only change with me on my side. Perfect. So with the company, are you now employed by your company earning wages? Correct. Yes.","start_word":486,"end_word":527,"sentiment":"neutral","sentiment_score":0.04169268533587456},{"text":"Fantastic.","start_word":528,"end_word":528,"sentiment":"positive","sentiment_score":0.385283499956131},{"text":"Let me just have a quick look into your transaction history for a moment because that should tell me that your okay. I don't see any contributions in there. We've got MindMate behavior support. That's correct. Yep. And I've only started my company two weeks ago, so it's all very new. Oh, wow. Okay. So Yeah. MindMate Yep. Behavior Support, that's your company? No. So that's who I was contracting to as a sole trader. So Yes. my company is called Inner Growth with Kelly, and that my accountant sent my first contribution through yesterday. Oh, amazing. So that should clear Yeah. the account soon. And Yeah. okay. So we've got MindMate gave you a nice little lump sum of 11,000, which means they're kind of caught up on any contributions that they owed you at the time, which is fantastic. Good. With your wages from the company, we I think our last income, we had you earning around about 150,000. Do you know what your wages I'm are sorry. set up?","start_word":529,"end_word":700,"sentiment":"neutral","sentiment_score":0.05638492479920387},{"text":"You're cutting you're cutting out there.","start_word":701,"end_word":706,"sentiment":"negative","sentiment_score":-0.493086576461792},{"text":"I'm just gonna get out of my office because I think it's me. I'm sorry. Can No you repeat worries. that? We had your last income at around about 150,000. Do you know what your wages Yep. are set to now? It's much the same.","start_word":707,"end_word":751,"sentiment":"neutral","sentiment_score":-0.04220079630613327},{"text":"Perfect.","start_word":752,"end_word":752,"sentiment":"positive","sentiment_score":0.5119869112968445},{"text":"So a 150,000 is okay. Just remain as it is? Yes.","start_word":753,"end_word":763,"sentiment":"neutral","sentiment_score":0.199744775891304},{"text":"Absolutely.","start_word":764,"end_word":764,"sentiment":"positive","sentiment_score":0.35639554262161255},{"text":"Yeah. I'm just trying to build that company growth and revisit it maybe in twelve months. So it's my wages will be about 150, and, yeah, we'll see where we're at next year.","start_word":765,"end_word":797,"sentiment":"neutral","sentiment_score":0.22186307609081268},{"text":"Absolutely. So very exciting for you to to journey out on starting your own company.","start_word":798,"end_word":812,"sentiment":"positive","sentiment_score":0.6480682492256165},{"text":"And I'm assuming Absolutely. do you still do you still kind of contract or invoice to the same group, or have you kind of branched out a little bit? I branched out a little bit, but majority majority of the the work is with MindMate still. I'm just looking at other like, I do clinical supervision with other providers in the area, so that's something that'll be starting up in the next couple of weeks as well. Okay.","start_word":813,"end_word":890,"sentiment":"neutral","sentiment_score":0.10321423411369324},{"text":"Fantastic.","start_word":891,"end_word":891,"sentiment":"positive","sentiment_score":0.4933174252510071},{"text":"Would you still count your occupation as, like, a behavioral therapist? Absolutely. Yep. Easy done. And okay. I'm assuming you're kind of doing that full time at the moment, aren't you? Yes. Correct. Yep. So I'll put that down. Is it do you just do, like, a standard thirty eight hours, or do you kind of just do everything that needs to be done? And Yeah. I kind of I just like, this week's topsy-turvy, and last fortnight was as well. It really just depends on the clients. But I work a lot in the prisons and APU, so it's never really a dull moment if that makes sense. So Oh, it yes. might I got you. be some weeks I work fifty hours, and the next week I might work twenty. Like, it it just depends on what's happening. It's hard to say. And and then I could work a weekend and have a few weekdays off. It just depends when the work is and where the hysteria is, basically. Yeah. So it can fluctuate quite a bit. Absolutely. Indeed. Okay. Alright. I'm gonna wind back for a quick moment. So in terms of personal details, we had you married to Jaden, Yep. Correct. and you're still in Brooklyn Way in Australia, WA. Yep.","start_word":892,"end_word":1106,"sentiment":"neutral","sentiment_score":0.03528858077560747},{"text":"Perfect.","start_word":1107,"end_word":1107,"sentiment":"positive","sentiment_score":0.44790488481521606},{"text":"So as far as your assets and liabilities go, we had, like, your home and some Yep. land as well. Mhmm. Home was valued at 800,000 owing 150,000. Do you know what Yep. that's at at the moment? I think we're down to, gosh, just over 100,000 now. Maybe, like, $1.12. And the house has probably increased in value to about 900 Yeah. and maybe $9.50. Yeah. Okay. Between 900 to 950,000. We lost that.","start_word":1108,"end_word":1182,"sentiment":"neutral","sentiment_score":-0.02298715338110924},{"text":"That's fantastic.","start_word":1183,"end_word":1184,"sentiment":"positive","sentiment_score":0.4988184869289398},{"text":"And I was looking through. So we had you have some work tech, some household content. You've got the cars, the Nissan, and the j eight. Mhmm. Outside Oh, of I that got rid of the j eight, and I got a different car. So I don't have that anymore. perfect. Is there a car loan attached, or is it just straight up purchase? Purchased. Yeah. Straight out purchased. Okay. So we have a new car, and that is valued at approximately Maybe, like, 67,000. It's k. secondhand, but it's new to us. So, yeah, it's a Mercedes GLE three fifty d. Okay.","start_word":1185,"end_word":1287,"sentiment":"neutral","sentiment_score":-0.0022537338081747293},{"text":"Fantastic.","start_word":1288,"end_word":1288,"sentiment":"positive","sentiment_score":0.4018084406852722},{"text":"Alright. I'm just updating this on your file here. Oh, So no the worries. j h, Sure thing. John, Yeah. Nissan It was is there. yep. Is there any other, like, assets or loans floating around? You don't have a whole bunch of cash floating under the mattress, some shares, nothing No. like I that. wish. No. Just like normal household assets like computers, iPads, like TVs everywhere. Yeah. The usual, I think. Like, I don't know what's out of the ordinary that I could maybe mention, but, No. That's perfect. no, I think that's I know it. a I few think people everything's have just cryptocurrency normal. in the background and things Oh, like that. no. No. Nothing like that. Gosh. No. Not up your alley. I hear No. you loud I and wouldn't clear. I don't even know what that is. That's why I was yeah.","start_word":1289,"end_word":1436,"sentiment":"neutral","sentiment_score":-0.05308533612814908},{"text":"Perfect. Perfect.","start_word":1437,"end_word":1438,"sentiment":"positive","sentiment_score":0.5153930187225342},{"text":"As far as, like, your cash flow goes, I know this is all still kind of new but similar Yep. income. Do you Uh-huh. have, like, a set amount that you try and put aside every week or fortnight or month? Yeah. So, like, do you mean what I'm paying myself or the business? More so like surplus savings. Are you able to put Sure. anything Sure. aside into Yep. savings? Oh, absolutely. Yeah. We just throw it all into the mortgage, though. And if it's we need to redraw, we can. Yep. So I think at this moment, we're putting a a month, like, an extra five thousand dollars into the mortgage. We try Yep. not to touch it because we really wanna pay that off in the next two to three years.","start_word":1439,"end_word":1572,"sentiment":"neutral","sentiment_score":0.06324434280395508},{"text":"Fantastic. Go.","start_word":1573,"end_word":1574,"sentiment":"positive","sentiment_score":0.4914677441120148},{"text":"Yeah. And then there's always money left over at the end of the fortnight, and we just let it sit in the savings account and build up. And then when something big needs to be paid for, we know we've got the money there to kind of use.","start_word":1575,"end_word":1622,"sentiment":"neutral","sentiment_score":0.14952199161052704},{"text":"Perfect.","start_word":1623,"end_word":1623,"sentiment":"positive","sentiment_score":0.45480361580848694},{"text":"So I'll set the savings to a nice, safe sort of 5,000 a month for now, just bearing in mind Yep. there's a bit of Indeed. leeway on top Exactly. of that.","start_word":1624,"end_word":1655,"sentiment":"neutral","sentiment_score":0.22947613894939425},{"text":"Easy done. Easy done.","start_word":1656,"end_word":1659,"sentiment":"positive","sentiment_score":0.4284127354621887},{"text":"And as far as estate planning goes, last Yes. time we checked, you didn't have, like, a will or power of attorney in place. Did you end up getting that sorted? So I have an appointment with a lawyer next month, and Jaden and I are gonna go and get our wheels done when he because Amazing. he's off to Kathmandu next week for a month. So when he's back we probably should have Oh, done it before he went on the trek, but never mind.","start_word":1660,"end_word":1745,"sentiment":"neutral","sentiment_score":0.10517413403059162},{"text":"perfect. It is what it is.","start_word":1746,"end_word":1751,"sentiment":"positive","sentiment_score":0.5540486574172974},{"text":"And, yeah, when he's back, we're gonna go and take care of that.","start_word":1752,"end_word":1764,"sentiment":"neutral","sentiment_score":0.3324282467365265},{"text":"Perfect.","start_word":1765,"end_word":1765,"sentiment":"positive","sentiment_score":0.5477561950683594},{"text":"So I'll put a note down that you're gonna talk to them about the wills and the power of attorneys and everything Yes. like that.","start_word":1766,"end_word":1790,"sentiment":"neutral","sentiment_score":0.19727665185928345},{"text":"So Indeed. that is fantastic. I'm just gonna have a quick look at your beneficiary details for your super, make sure that's all looking good.","start_word":1791,"end_word":1815,"sentiment":"positive","sentiment_score":0.49814164638519287},{"text":"We did Mhmm. have it split between Jayden and Corey, 50 Perfect. 50. Yep.","start_word":1816,"end_word":1829,"sentiment":"neutral","sentiment_score":0.09854820370674132},{"text":"That's great. Perfect.","start_word":1830,"end_word":1832,"sentiment":"positive","sentiment_score":0.5923064351081848},{"text":"Just bear in mind that if you do have benefits left to a minor, for example, is Corey under 18 or above 18? Oh, no. He's 27. 27. Perfect. So when it comes to a spouse, when they receive your super, it is the the Canada's a tax dependent, so they get it Yep. all tax free. An adult child is unfortunately no longer a tax dependent, so they may pay a little bit on it. But if you want Oh, it to sure. go between the two, that is okay. Just wanted to let you know that would be the outcome. Okay. Alright. Okay.","start_word":1833,"end_word":1937,"sentiment":"neutral","sentiment_score":0.06173209100961685},{"text":"Good to know. Absolutely.","start_word":1938,"end_word":1941,"sentiment":"positive","sentiment_score":0.3972403407096863},{"text":"You do have as well a life insurance policy that I wanted to talk to you about because you did just have an anniversary, and Yep. it changes every year. So I wanna make sure that's still okay. Yep. Sure thing. So you have life insurance and total disability. So that's your lump Yes. sums. Or if you pass away or can never work again, it's Mhmm. a million and $50,000 as a lump sum. So what I Right. wanted to ask you is because your mortgage is down so low, let's say that comes out and it pays off the mortgage and you're left with 8 or 900,000 for the family plus the super on top, kinda gets you close to that million dollars for them. Mhmm. What does that Yep.","start_word":1942,"end_word":2073,"sentiment":"neutral","sentiment_score":0.09920936179432002},{"text":"do for the family? Is that still a good situation?","start_word":2074,"end_word":2083,"sentiment":"positive","sentiment_score":0.3704517185688019},{"text":"What does that do for them?","start_word":2084,"end_word":2089,"sentiment":"neutral","sentiment_score":0.31807801127433777},{"text":"I think that's a good situation. Like, I wouldn't want it to be any less. That's for sure. Yep. I wanna make sure Corey could just with the world at the minute, like, that he was financially stable and getting on his feet.","start_word":2090,"end_word":2132,"sentiment":"positive","sentiment_score":0.4916640520095825},{"text":"Yeah.","start_word":2133,"end_word":2133,"sentiment":"neutral","sentiment_score":0.30071234703063965},{"text":"And that'll Is help it him.","start_word":2134,"end_word":2139,"sentiment":"positive","sentiment_score":0.36880698800086975},{"text":"normal yeah. I think so. Is it normal for people to maybe go a little bit higher, or is that, like, the baseline, or what I don't really know too much about life insurance, to be honest. Yeah. So the average I see is between 500,000 and 1,000,000. Mainly people just Oh, okay. the baseline is is covering debt as a Sure. main thing. And then Got after it. that, you've got, like, income replacement or setting up your children and things like that. Sure. Sure. Okay. That makes that's okay then. We'll leave it as is, I suppose. Yep.","start_word":2140,"end_word":2239,"sentiment":"neutral","sentiment_score":0.043311890214681625},{"text":"Perfect.","start_word":2240,"end_word":2240,"sentiment":"positive","sentiment_score":0.4741899967193603},{"text":"Price wise, it's jumped up a little bit, but it's not too crazy. The life and the TPD are still under 1,000. And Yep. then it gets a 15% rebate because any expense inside super gets 15% as a tax rebate. So Okay. that won't impact your super too much.","start_word":2241,"end_word":2290,"sentiment":"neutral","sentiment_score":0.2262309491634369},{"text":"Like, you've obviously got a decent amount of contributions going in. You've got a decent balance, decent growth.","start_word":2291,"end_word":2308,"sentiment":"positive","sentiment_score":0.4197179675102234},{"text":"So it's not, like, a major anchor Oh, good. pulling you back.","start_word":2309,"end_word":2320,"sentiment":"neutral","sentiment_score":0.15298517048358917},{"text":"Okay. Great.","start_word":2321,"end_word":2322,"sentiment":"positive","sentiment_score":0.4350658655166626},{"text":"When it comes to your income protection, so you have income protection if you're out of work for more than a month. They will Yes. give you monthly income replacement for up to five years. Right. Now your sum insured is 10,794 per month because the maximum is between 7075% depending on when the policy came out. And I'm just gonna do my little magic calculator here. Okay. Yep. Sure. It's protecting an income of around about just having a look at the inception date here, 2024. So 10,800 a month, that's protecting an income of a 185,000, Oh, wow. which So a lot if more you than were what I'm to, kind of earning. Yeah. yeah. So if you were to put in a claim, they look at your income going backwards twelve months. They work out that percentage. And, Uh-huh. basically, if you're only earning a 150,000, they would give you 70% of that, not of the Right. higher amount. Oh, okay. Rent. So what I would think of doing is sometimes they can incorporate a bit of your super contributions on top to close the gap, Yep. which if I go a 150,000 and add on super, that's a 168,000. So either way, you're still over insured for the income protection. Okay.","start_word":2323,"end_word":2537,"sentiment":"neutral","sentiment_score":0.1036826437642408},{"text":"Alright. Well, that's good to know. That's kinda reassuring.","start_word":2538,"end_word":2546,"sentiment":"positive","sentiment_score":0.5581612586975098},{"text":"So what I would like to do potentially is I will Yep. get an alteration quote through for a little Okay. bit of a trim down just to save you a bit on the premiums. Yep. Okay. Sure. K? Otherwise, again, like, having extra insurance means that you have capacity for when your income goes up, but then it means Yes. if you were to claim tomorrow, you would be paying more for what you couldn't get. Okeydoke. Okay. Got it. Does that make sense? Yeah. Yeah. No. Definitely. So I'll try and base it on your current income at the moment, maybe Mhmm. plus super, and then I'll let you know what that's looking like. Uh-huh. Okay. Now just swinging over onto the super side of things, I did mention at the start of the call, the world's kind of on fire at the moment Yeah. Yeah. as it is. It hasn't it hasn't gone into the negative for the year. So even though the Yep. stock Oh, market's that's kind good. of taking a jump down, you're still up 4% for Okay. the last twelve months. Yep. K. The only thing I'm looking at your portfolio, you're in a high growth. So 90 Yep. percent in growth assets, shares, property, and so on. Okay.","start_word":2547,"end_word":2762,"sentiment":"neutral","sentiment_score":0.042903281886268546},{"text":"Now that's pretty well geared towards getting you, like, the higher returns. Try and grow Yep. your super as you can.","start_word":2763,"end_word":2783,"sentiment":"positive","sentiment_score":0.4041989743709564},{"text":"At some point, you probably don't wanna stay high risk forever because, again, if you're 65, you probably don't want the stock market to crash and you lose half your super a year before you go to Yeah. retire and access it. Do you know what I mean? Yes. Got it. Yes. K? So in the interim, because of your current age, you still got a a good couple of decades ahead of you. Yes. Now Got it. what tends to happen over those twenty years is, let's say, every seven years, there's a market cycle. The stock market goes up, up, up, up, up, and then there's a COVID financial crisis, a war, and the stock market takes a jump, a dive. Yes. Yep. Now when you're in high growth, it goes up and down like a roller coaster. It could go up ten, twenty, 30% in a single year. And then over the decade, you're trying to average out at a return of above 10%. That's kind of your benchmark. Right. Does that make sense? Yes. Yep. So does so does. K. So your portfolio is still averaging out above the benchmark, which is good. I'm just warning Good. you that what tends to happen is the markets drop. So you're sitting at 215,800 and Yep. 35 today. Okay. So what tends to happen, and this pretty much will happen, is when the next Yep. crash happens, your super will go from, like, 215,000 to, like, 185. And then Got it. 12 Yep. months later, two years later, you'll be sitting at $2.50, $2.60. Got it. Yeah. These things So are expected. I understand. Yes. yep.","start_word":2784,"end_word":3061,"sentiment":"neutral","sentiment_score":-0.02769296631056199},{"text":"So when we think of what to do, we wanna make sure that all the investments are good quality. And then when the market goes down, your contributions are going in, and we get to kind of use it as a buying opportunity.","start_word":3062,"end_word":3104,"sentiment":"positive","sentiment_score":0.3374737501144409},{"text":"The properties and companies go down in value. You get to buy more of them.","start_word":3105,"end_word":3119,"sentiment":"neutral","sentiment_score":0.26624131202697754},{"text":"And then when the stock market goes up, you get a big return on the way up.","start_word":3120,"end_word":3136,"sentiment":"positive","sentiment_score":0.3895178735256195},{"text":"Right. Okay. So what I'm kind of telling you is that for the next three cycles, call that twenty one years, you've got a lot of growth and buying opportunities for the next fourteen Mhmm. years. In Mhmm. that last seven to ten years, we have to gradually reduce your risk level. So instead of staying 90% shares in property, we Yep. would gradually reduce you down eighty, seventy, sixty, fifty, forty, and then Mhmm. you are at retirement phase. Got So I just wanna make sure that you're still comfortable with that that it. behavior Yeah. and that plan. Yep. Would you I mean, I just kinda follow your guys' flow. So if you think that I need to not be so high risk, I'm just gonna let you guys guide me. You are the experts in all of this. Yeah. Cool. I think while I'm still young, it's probably best well, young ish to stay a bit high risk. Would you agree? Yeah. Look. It's totally about your they call it risk tolerance because it's all about Yeah. higher highs and lower lows. The more risky you go, it's gonna higher returns, lower drops, and average out better over the long term. Yes. Sure. Yes.","start_word":3137,"end_word":3343,"sentiment":"neutral","sentiment_score":0.1086256131529808},{"text":"Now some people can't handle seeing their super.","start_word":3344,"end_word":3351,"sentiment":"negative","sentiment_score":-0.3909502029418946},{"text":"They watch it every day, and they watch it go up and down, Oh, and I they and know.","start_word":3352,"end_word":3370,"sentiment":"neutral","sentiment_score":-0.32084330916404724},{"text":"they panic. My mom does that.","start_word":3371,"end_word":3376,"sentiment":"negative","sentiment_score":-0.4333243668079376},{"text":"Oh gosh. Yeah. Yep. We all we all know people that do it. And Yep. if you can remove the emotions, it's great long term.","start_word":3377,"end_word":3401,"sentiment":"neutral","sentiment_score":0.048340894281864166},{"text":"If the emotions are a barrier that's too far, then we need to make adjustments.","start_word":3402,"end_word":3416,"sentiment":"negative","sentiment_score":-0.3382948040962219},{"text":"Yep. For sure. Yeah. No. Whatever. I really I get this I get the world and the way these things work and function, so I try not to invest any emotions into the big hits.","start_word":3417,"end_word":3451,"sentiment":"neutral","sentiment_score":-0.11298248171806335},{"text":"It's not worth it.","start_word":3452,"end_word":3455,"sentiment":"negative","sentiment_score":-0.6294329762458801},{"text":"Yeah. Absolutely. So overall, you've got about eight investment options in your super that we've put together as your portfolio, and they're split Mhmm. between different sectors. You've got Australian shares, property, gold, international shares, quite diverse range of different assets.","start_word":3456,"end_word":3496,"sentiment":"neutral","sentiment_score":0.2146901935338974},{"text":"Pretty much all of them have been doing really well.","start_word":3497,"end_word":3506,"sentiment":"positive","sentiment_score":0.5071588754653931},{"text":"Most of the growth Yep. has been 10 to 50%, that kind of thing. The only one that's dropped at the moment is your Australian shares in your bet Yep. along option, which has gone down a little bit. Okay. Now normally, like I said just before, and I'm trying not to contradict myself here, is when the markets go down, we use it as a buying opportunity. We don't panic. Right? Yep. On the flip side of things, if there is some options that we don't believe are hitting the benchmarks they should, and what I mean by that is if every other option in that pool is doing 9%, 8%, and this one's only doing two, then we need to make sure we have a flag on it in case there's a problem. Sure. In this case, with the Bennelong option, we did flag it twelve months ago, and it hasn't come back to be with the rest of the pack, if that makes sense. Yep. Sure. So I would actually be when we look at reducing down your income protection, I wanna put into the same document just a bit of an update on your investment options as well. K? The Okay. one question Yep. I'm gonna ask you, and this is really just gut Mhmm. feeling because I can I'm gonna make a recommendation for you, is Sure. if you had to choose between low fees or pay higher fees to get a higher return, which way would you lean? So if I was to pay more fees to get a higher return, probably that Or one. go towards low fees as an option as well. Oh, so I have low fees as well as a higher Yeah. And and that's basically return? a bit of a split between two styles. We call them active and passive.","start_word":3507,"end_word":3817,"sentiment":"neutral","sentiment_score":0.07466788209040448},{"text":"And I can find you a good one in either camp.","start_word":3818,"end_word":3828,"sentiment":"positive","sentiment_score":0.36751338839530945},{"text":"It's really about where you're kind of leaning personally. So I I think I don't understand. So pay low fees to get a high return or high fees to get a high return. Is that what you said? Yeah. And I guess the way I would reframe it is if the Australian stock market is consistently doing, let's say, 10% per year as growth, Mhmm. you can pay really low fees to get what's called an index fund that just tracks the Australian market in lockstep. It just follows it up Mhmm. and down. Sure. Or you can pay higher fees for an active manager who tries to pick and choose stocks and try and get you a better return. Oh my god. I don't know. What do you suggest? Well, you're I currently actually with don't know. you're currently with an active fund at the moment. And so what I'll Yeah. be doing is if you're comfortable with that kind of style that you've already been having, I can keep it in the same style, just find a better fund manager for you. I think to keep it and, yeah, like you said, find a different fund manager maybe. I I Yeah. yeah. No. That's totally fine. Either way, we're still gonna get you trying the the best outcome that we can, and I I just mean, wanna I make feel sure like there's no that's if I say the lower the lower funds I don't know. Like, I really don't know. Maybe just stick it stick to wait the way it is. I think that's the best bet because I haven't had any issues, I suppose. No. What That's totally what what's fine. And not broken yet? exactly. And the only reason why I really ask that question is because sometimes when I ask it, people have a very strong feeling or reaction one way or the other where they go, no. No. No. Right.","start_word":3829,"end_word":4155,"sentiment":"neutral","sentiment_score":0.05762799862282356},{"text":"No. I I don't like this.","start_word":4156,"end_word":4161,"sentiment":"negative","sentiment_score":-0.48518142104148865},{"text":"I really wanna lower the fees Oh, or gosh. no. No. I No. wouldn't I I haven't really I couldn't. I don't wanna sound disrespectful or anything, but I I don't care. So I just That's like totally it's fine. really yeah. It's what it is what it is.","start_word":4162,"end_word":4210,"sentiment":"neutral","sentiment_score":-0.10850822180509569},{"text":"If you I I'm happy to be kinda led around by you guys with what you guys think is the best option for me.","start_word":4211,"end_word":4234,"sentiment":"positive","sentiment_score":0.3997693359851837},{"text":"I I don't I'm one of those people that just does not pay attention to what I cannot control.","start_word":4235,"end_word":4253,"sentiment":"negative","sentiment_score":-0.3475986421108246},{"text":"Yeah. So, yeah, that that's kinda my motto. So at the end of the day, you really just want to make sure it's well looked Exactly. after. Yeah. Yep.","start_word":4254,"end_word":4282,"sentiment":"neutral","sentiment_score":0.15034645795822144},{"text":"Easy done.","start_word":4283,"end_word":4284,"sentiment":"positive","sentiment_score":0.3485976457595825},{"text":"So what I'll do is I will go through and do some like for like replacements for you. I've already got one in mind that I'm gonna research. Sure.","start_word":4285,"end_word":4313,"sentiment":"neutral","sentiment_score":0.1418648064136505},{"text":"Awesome.","start_word":4314,"end_word":4314,"sentiment":"positive","sentiment_score":0.4616374373435974},{"text":"We've already been speaking with the investment committee. We flagged this issue towards Christmas time. We've already got three or four options on the table. I Okay. will basically research them, put them in a document for you with that reduction for the insurance, and Thank I'll you.","start_word":4315,"end_word":4362,"sentiment":"neutral","sentiment_score":0.25092798471450806},{"text":"get that through to you so you can see what the new plan is.","start_word":4363,"end_word":4376,"sentiment":"positive","sentiment_score":0.39368975162506104},{"text":"Sure.","start_word":4377,"end_word":4377,"sentiment":"neutral","sentiment_score":0.32361873984336853},{"text":"Sounds good.","start_word":4378,"end_word":4379,"sentiment":"positive","sentiment_score":0.4897713661193848},{"text":"I mean, you always get what you pay for at the end of the day, what what I say. So if I'm spending a bit more Okay. money yeah. I don't know. It just seems a bit more reassuring. I don't know. I haven't had any issues, so why change what's not broken? So, yes, go No. for That's perfect. And, look, half the people I talk to, they it. say you get what you pay for. The other half Yep. go, all I care about is cost. Please keep it as minimal as possible, Yep. and Got we it. just Got tailor it. it to Of the course. person. Yeah. Makes sense.","start_word":4380,"end_word":4492,"sentiment":"neutral","sentiment_score":0.03674400970339775},{"text":"Easy done.","start_word":4493,"end_word":4494,"sentiment":"positive","sentiment_score":0.5246005058288574},{"text":"So I will put together this bit of a plan. I'll get some alteration quotes for your insurance and a portfolio Thank you. update. Yep. From that point, once we've done the research and everything, the team will get you booked in to go through the updated document with me. I know you're probably just, like, looking for that guidance, but I just wanna make sure that what we're doing makes sense and that Yeah. you I can appreciate kind of that. sign Yeah. No. off That's on good. it It's if that good makes to sense.","start_word":4495,"end_word":4591,"sentiment":"neutral","sentiment_score":0.21886977553367615},{"text":"have these chats, fluid chats about it's it's very educational for me, but I also it blows my mind as well.","start_word":4592,"end_word":4612,"sentiment":"positive","sentiment_score":0.35410499572753906},{"text":"So yeah. No. It's Absolutely.","start_word":4613,"end_word":4617,"sentiment":"neutral","sentiment_score":0.16638138890266418},{"text":"Absolutely. yeah. Cool.","start_word":4618,"end_word":4620,"sentiment":"positive","sentiment_score":0.3968128859996796},{"text":"So I'll go away and do that. Is there anything else Thank in you. particular going on that you would like to talk about Well, for this review? I have a question, and it's just Mhmm. because it's popped up in the last few few weeks with my business insurance. Obviously, I've gotta have, you know, PIPL insurances, But something that's come up is workers' compensation insurance. And I wondered if that would somehow I don't wanna double up on insurances of for obvious reasons.","start_word":4621,"end_word":4705,"sentiment":"neutral","sentiment_score":-0.05992816761136055},{"text":"They're very expensive.","start_word":4706,"end_word":4708,"sentiment":"negative","sentiment_score":-0.4027954936027527},{"text":"But is it something that's covered in one of the insurances I have at the moment? Or is because or is it just, like, kind of a separate thing because I'm a company now? Oh, yes. That's a great question. So when it comes to personal income protection, they cover Yep. you for things usually outside of work because workers' compensation's for at work. Work. And Yeah. I Correct. think there is an expectation that the employer does have that in place, which in this case Of course. itself. And Yep. then anything that happens outside of work, this can kick in. I have seen scenarios where people get workers' compensation. It ended after two years, and Yep. then their Yep. income protection clicked in on the back end of it as well. Got it. Yes. And I think I I've just answered my own question really because I work for myself. If something was to happen, god forbid, touch wood, at work, my income protection would cover me. I don't think I need to get workers' comp until I have employees, which I don't have right now. So that answered that question in my brain now. Got it. Perfect. And, again, Yep. as always with these things, just double check with the accountant to make sure there's no rule where you have to put it in place or anything like that, Great. but Yep. you do have that protection there as well.","start_word":4709,"end_word":4951,"sentiment":"neutral","sentiment_score":0.015713918954133987},{"text":"Brilliant. That sounds good. Thank you. Perfect.","start_word":4952,"end_word":4958,"sentiment":"positive","sentiment_score":0.5255064964294434},{"text":"So what I'll do is I'm going to shoot you through this annual review pack. It's going to include an updated financial services guide with us, which is our license information and protection details. Mhmm. It will have your performance report, your certificate of currency for the insurance policy. Mhmm. If anything happens to you, we do do claims assistance. So let's say, god forbid, something did happen. You not that we would wanna be the first person you talk to in a major event, but let us know, and we can help you through the claims process as well. Okay.","start_word":4959,"end_word":5059,"sentiment":"neutral","sentiment_score":0.09046068042516708},{"text":"Great. Sounds good. Perfect.","start_word":5060,"end_word":5063,"sentiment":"positive","sentiment_score":0.488295316696167},{"text":"We've got the ongoing service agreement that I've refreshed there as well. I wanted to ask you because your review was coming up in May, are you comfortable for us to put this plan in place and let it run for the next twelve months or so? How would Yeah. you prefer Sure. that to work? Yeah. No. That's fine. That's not a drama at all.","start_word":5064,"end_word":5129,"sentiment":"neutral","sentiment_score":0.11304913799871098},{"text":"Easy done.","start_word":5130,"end_word":5131,"sentiment":"positive","sentiment_score":0.3790571391582489},{"text":"So I'll shoot that through to you now. There's a couple Mhmm. of other little bibs and bobs there. Just curiosity pieces about markets and stock markets and things like that. If you're Yep. curious, you can have a look, but, again, I'll put in place an updated plan anyway. Yep.","start_word":5132,"end_word":5182,"sentiment":"neutral","sentiment_score":0.07977518439292908},{"text":"Alright. Sounds wonderful. Thank you. Awesome.","start_word":5183,"end_word":5188,"sentiment":"positive","sentiment_score":0.5921930074691772},{"text":"Kelly, do you have any questions for me at this point? Nope. That's it. Thank you. I just had that workers' comp question.","start_word":5189,"end_word":5211,"sentiment":"neutral","sentiment_score":0.1026083081960678},{"text":"That's great. Amazing.","start_word":5212,"end_word":5214,"sentiment":"positive","sentiment_score":0.5272919535636902},{"text":"And, again, I've never seen the the other way around where the Yes. income Yep. protection covers someone for the work injuries. I'm gonna find out, though, and ask around just in case, and I'll let you know. Sure. Yeah. Yeah. No stress at all. Yeah. Just something that keeps popping up, like, with my insurance broker and my accountant. They're asking lots of questions about it's always coming back to the workers' comp because I'm in that high risk industry. Yeah. But I also think because I'm the director of the company and I'm my only employee, if anything was to happen, it would be it it would be more if I had employees that I think the workers' comp is imperative. But Yeah. at this point, I'm not too fussed about it. But, yeah, if Okay. you have a conversation, sounds good.","start_word":5215,"end_word":5358,"sentiment":"neutral","sentiment_score":0.008153735660016537},{"text":"Easy done.","start_word":5359,"end_word":5360,"sentiment":"positive","sentiment_score":0.3583541512489319},{"text":"And what I'll do too is when we get that quote to trim down the income protection to the right amount, I Yep. will factor that into the projection for the super just to show you the difference that I'll make as well. Mhmm. K.","start_word":5361,"end_word":5405,"sentiment":"neutral","sentiment_score":0.1325227916240692},{"text":"Great. Sounds good. Cool.","start_word":5406,"end_word":5409,"sentiment":"positive","sentiment_score":0.4326812326908112},{"text":"Kelly, last question I've got for you is there is a fourth type of policy. And I know you were just saying you don't wanna get workers' compensation, but you don't have a trauma policy. Do you remember what that one does? No. So the quickest way I can explain it is you've got life insurance, you pass away, there's a lump sum. Mhmm. Total disability is when you can never work again, there's a lump sum. Temporary disability is your income protection. You're out of work Mhmm. for three Yes. months, six months, nine months, here's your income replacement. Trauma Mhmm. is the fourth one where they say, okay. You've been diagnosed with, like, a heart attack, stroke, cancer. Maybe you're not fully disabled from it. Maybe you've gone back to work the next week after having a heart attack. It happens. But there's Uh-huh. a lump sum to cover medical costs or staying home and, you know, your partner being able to look after you for twelve months, that kind of thing. So But you yes. can only pay for that one out of pocket. So I do have to ask the question if you wanted me to get a quote for that or if you would prefer just the I three that you've got. think I'll stick with the three I've got. I've come this far without it. Mhmm. No. That's totally fine. It's just one of those there's a risk there because that's something that's not covered. I just wanted to Yep. let you know that it's an option. So yeah. No. I think I'll think about it, though, but I think at this stage, it's not really necessary. Easy done. And when we go through that advice document, if you're curious and wanna get a quote afterwards or even next year, we can always do that for you. Sure.","start_word":5410,"end_word":5723,"sentiment":"neutral","sentiment_score":-0.03709716349840164},{"text":"Sounds good. Perfect.","start_word":5724,"end_word":5726,"sentiment":"positive","sentiment_score":0.4847072660923004},{"text":"Now, Kelly, that email is through to you now. I'm just gonna double check that's going through to your Gmail. Yep. I'll just jump on and have a quick look if you like. Mhmm. Now when it comes through for the system that we're currently using, we're using something called OdooSign, which we've purpose built Yep. for Oakview. And it allows you, like, an email to view the attachments just like any other email, but there's also a link for the digital signing as well. So I just wanna let you know it's Okay. separate.","start_word":5727,"end_word":5821,"sentiment":"neutral","sentiment_score":0.15118015832022616},{"text":"Great. You've got attachments, Yep. and then you've got a signing link as well.","start_word":5822,"end_word":5835,"sentiment":"positive","sentiment_score":0.39175930619239807},{"text":"Sure. Now just Hasn't bear come in mind through that yet, but I'm sure it's not it can far sometimes away. take up to nine minutes, I've found. Oh, So no worries. That's fine. I'll Yeah. let that come through in its own time. Sure. With our service agreement, so, again, our fees that we charge through the super, that's 1.65%, and that's capped Mhmm. when you get to 600,000 because, obviously, Yep. clients with a million, $2,000,000, you can't charge $3,040,000 for the same service.","start_word":5836,"end_word":5921,"sentiment":"neutral","sentiment_score":0.10205730050802232},{"text":"We're good Yep.","start_word":5922,"end_word":5924,"sentiment":"positive","sentiment_score":0.3669990301132202},{"text":"at what we do, but we do put caps on the fees as well. Sure.","start_word":5925,"end_word":5939,"sentiment":"neutral","sentiment_score":0.17546482384204865},{"text":"Awesome.","start_word":5940,"end_word":5940,"sentiment":"positive","sentiment_score":0.5414977669715881},{"text":"If at any point you do have any other types of accounts, investment Sure. accounts, pension accounts later down the road, Hub twenty four lets you link them to reduce the fees as well.","start_word":5941,"end_word":5974,"sentiment":"neutral","sentiment_score":0.2219666689634323},{"text":"Okay. Great. Cool.","start_word":5975,"end_word":5977,"sentiment":"positive","sentiment_score":0.4743257462978363},{"text":"Is there anything else that we need to look at for you over the next few years? Because I know you're focusing so much on the business and paying down the mortgage. Are you looking to get other properties, do some investing, anything I need Not to note down? at not for the next couple of years. We'll we'll review what maybe in two. We just wanna smash the mortgage and then definitely look at what our options are with with our leftover money if we won't have a mortgage anymore. So, you know, we definitely wanna invest it in something, but we're just not sure what that would look like yet.","start_word":5978,"end_word":6089,"sentiment":"neutral","sentiment_score":0.06071539083495736},{"text":"Perfect.","start_word":6090,"end_word":6090,"sentiment":"positive","sentiment_score":0.5430039167404175},{"text":"So if you're okay for me to put this down then, I'll say the priority Yeah. for the next few years is to pay off the mortgage. We will look Yeah. at the superannuation based on just what you're putting in through the employer contributions. We won't look Yep. at any salary sacrifice or additional ones. And then Mhmm. once the mortgage is done, we can look at super, investing, anything you might wanna do after that. Yep.","start_word":6091,"end_word":6168,"sentiment":"neutral","sentiment_score":0.07828822731971741},{"text":"Sounds perfect. Perfect. Alrighty. That's pretty much everything for me.","start_word":6169,"end_word":6178,"sentiment":"positive","sentiment_score":0.6265525817871094},{"text":"Any questions, Kelly?","start_word":6179,"end_word":6181,"sentiment":"neutral","sentiment_score":0.24317286908626556},{"text":"All good.","start_word":6182,"end_word":6183,"sentiment":"positive","sentiment_score":0.355716347694397},{"text":"No. Not not not anymore.","start_word":6184,"end_word":6188,"sentiment":"neutral","sentiment_score":-0.16813547909259796},{"text":"Amazing. Amazing. Thank you so much for your time today.","start_word":6189,"end_word":6198,"sentiment":"positive","sentiment_score":0.7122910022735596},{"text":"If you have any trouble with that Odoo email, please just give us a call, and the team will help you through.","start_word":6199,"end_word":6220,"sentiment":"neutral","sentiment_score":0.2686615288257599},{"text":"Awesome. Thank you so much. You're most welcome, and I will talk to you in a few weeks. Sounds good. Talk to you then. Thanks, Kelly. Bye.","start_word":6221,"end_word":6247,"sentiment":"positive","sentiment_score":0.5862536430358887},{"text":"Okay. See you. Bye bye.","start_word":6248,"end_word":6252,"sentiment":"neutral","sentiment_score":0.23784254491329193}],"average":{"sentiment":"neutral","sentiment_score":0.08484732685742209}}}}